Colli Real Estate

Which mortgage company offers best interest rates and good customer service?

I’m a first-time home buyer and shopping for mortgage. Can anyone suggest good mortgage lender who offers good interest rates? Also, is there any website that lists all the mortgage lenders with the interest rates they are offering and also possibly with reviews from customers? Serious answers only please!

I agree with Kevin to a certain degree. In my opinion rate is not absolutely the most important aspect of a mortgage. More importantly, you are going to want to speak with a mortgage professional that looks at your overall financial and real estate plan. In my experience, having a low interest rate on the wrong loan will actually cost you more in the long-run than having a competitive interest rate on the right loan. There are thousands of “run-of-the-mill” loan officers that can quote you any rate. The key is finding someone that actually helps bring to light certain thoughts you have about some of your future goals in life. These are some VERY basic questions that a good mortgage broker should be asking you. If they are not asking you these questions, run, don’t walk to some one who does:

1.What is most important to you about you’re new home loan?

2.How long do you plan on living in you’re new home?

3.In regards to your financial philosophy, do you find yourself conservative or a little more aggressive?

4.How do you feel about the idea of only paying interest on a mortgage to give you a lower payment? Or are you looking to pay the home off as soon as possible?

5.Have you considered any future real estate investments as part of you’re plan for life?

These are some basic questions that should be asked. A home mortgage is the largest investment that most people make their entire life. Don’t be led by “lowest rates” ad’s or “no fees”, or anything like this. The real truth is nothing, especially home loans are free, and if the rate sounds too good to be true…then it is.

If you have any questions please feel free to call Kevin or myself.

Shafik Tadros
Certified Mortgage Planner ™
EXARC Lending
858-345-4951
Dept. Real Estate Lic # 01483442

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