Before you proceed any
further with an online mortgage application for a purchase,
refinance or equity loan, consider this:
out for “ultra-low” rates!!
Online mortgage loan sites can be misleading.
Many of the online lender sites offer "general" consumer
information, making it impossible to accurately compare rates.
When they low-ball the interest rate, the disclaimer link will
likely disclose that you will be charged 1 to 2 points (or more)
in order to get that rate.
Low quotes may not be realistic
because huge origination and application fees are often charged.
Misrepresenting or failing to disclose accurate rates, fees and
quotes, makes the overall cost of the loan "look“ better
than it is.
We discuss and review every detail of your loan package
with you up front. There are no surprises and you know what
to expect. We help you make an informed, educated loan decision.
You’ll know the exact "cost" of the loan before
you sign anything!
There’s no substitute
for timely response and "personal touch!”
Mortgages can be complex. If you hit a snag online,
the computer can’t sit down with you and work it out ! Also,
first-time home-buyers often need a lot of hand holding that a "cold" Internet
interface can’t provide!
Don’t expect immediate feedback on sites that have lenders competing
for your business. A major complaint from online shoppers is that they cannot
get everything in on time to honor the low rate originally quoted them and
anonymous, unknown voices at the “other end" are not accountable.
With us, your calls are promptly returned every step
of the way! Our streamlined mortgage process makes it quick
and easy!! There’s nothing like face-to-face contact
and a long-tern relationship with a loan professional who
takes a personal interest in you and your financial goals.
Beware of multiple online
When comparing rates and getting multiple online quotes, remember that every
loan application triggers another credit check and can drastically lower your
credit score ! Lenders could ultimately reject your application if numerous
credit checks are done in a short period.
On the other hand, we take step to help
you improve and protect your credit score, so you get the lowest
rate and best terms possible!
Consider security issues.
It is possible that someone could steal your online mortgage application information.
We take every precaution to make sure your confidential
financial information is secure. For reliable, personal
service and fast funding, call us today!!