Best Mortgages
whats the best way to look for mortgages? online or around?
locally? the only problem is our credit isnt great so no bank would probably lend to us..should we search out local brokers or just look online? i dont want to start looking because i know once i do my home phone will be ringing off the hook and i hate that so id like to minimize that problem…thanks!
As a mortgage professional, I would say choose who you do business with wisely. Not that brokers are not helpful, they are, but many lack the credentials of being around for many years; like a bank. Meaning, banks are regulated tighter and many lenders that closed their doors the first quater of this year did so because of unprofessional mortgage brokers.
However, we are not all bad. Do some research, I would start looking on line in your local yellow pages. Review the websites they post. Call them, but do not provide your info, like social etc. ask them about programs available to you.
If you speak with a mortgage professional that will spend some time with you and provide you answers before pulling your credit – then they are steps ahead of the competition and will generally deliver better service long term.
If you fill out an online form – you are right your phone will ring off the hook with mortgage brokers trying to get your business. Your info will be sold over and over again, sad to say.
I am a mortgage banker/broker. Meaning I have access to bank products and if we do not have a product that would suit you, we are able to ‘broker’ that loan directly to a different lender through the bank. If we do this, we generally get better rates because we are a nationwide bank. I can lend in all 50 states except – WV, MD, ME, AK and HI.
If I can answer any more fo your questions, please give me a call
866-294-0011 Shannon
TAMPA’S BEST MORTGAGE INFO AND A FREE BOAT TOUR
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