Find a Great Mortgage Program and Rate with these 3 Tips (2022)
Mortgage Banker
Richard Blair
Published on February 11, 2022

Find a Great Mortgage Program and Rate with these 3 Tips (2022)

Mortgage interest rates are set by the lender you choose to help finance your home purchase. Rates are not set by the government or nationally – but your rate, education about home buying and the loan program are all going depend on who you hire as your loan originator and lender.

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Do you feel overwhelmed and frustrated trying to figure out what is real on the internet when it comes to advertised mortgage rates?

Why do some internet lenders advertise a 30- year loan at 2.99%, while other lenders have told you 3.99%?

Do you know how to tell which rate is really the better financial choice?

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Buying a home and financing your home is the biggest financial decision in your lifetime. How can you trust that the loan officer and the lender will give you the right advice and a fair deal? Choosing the wrong loan program and not understanding interest rates can cost you, and your family, thousands of dollars.

Here are 3 real-life tips that will save you time, money, and frustration during your homebuying journey.

Home buying can be stressful enough without worrying about whether you are really choosing the best loan program and interest rate.

The more educated you are about your loan options the better financial decisions you will make and the more money you will save.    

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Choose a local, respected, and experienced loan originator that uses technology to deliver a customized Home Loan Analysis.  The loan originator can also be called a loan officer or mortgage advisor. This analysis should show you the loan options available based upon your credit, income, assets, and down payment.

An educated home buyer is empowered to make wise financial decisions that will impact you, and your family, for many years.

Verify my mortgage eligibility (May 20th, 2022)

The plan should be based on your financial goals, both long term and short term. Loan planning is the single most important in your home buying journey. That is why choosing the right loan originator and lender is so important to your success in ultimately getting the keys to the home you desire.

Stop stressing and know for sure that you are receiving the very best mortgage options, which is a combination of the right loan program with a fair rate.

How to Make Your Mortgage Experience Hassle Free

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With the stress of searching for homes, moving and the financial consideration the last thing you want are spam calls from internet lenders and hard-core sales pressure from loan originators.

While the mortgage process is very detailed. It requires providing a lot of financial information so that an underwriter can approve your loan application. However, working with the right mortgage Team makes the loan process simpler and far less stressful.

The goal of your lender should ultimately be to make your lending experience an awesome Five Star experience.  It is a great idea to google the loan officer you are considering and check out the reviews on sites like Google Business and Find out what other home buyers, just like you, have to say about their home buying experience. There is no substitute for social proof.

Verify my mortgage eligibility (May 20th, 2022)

Make sure the lender is using cutting-edge technology to make your loan application process simple and can streamline the process of providing financial documents.

mortgage Phoenix, AZ

If you do most everything on your Smart Phone find out if the lender is using an App that will allow you to handle the entire process using your phone.

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Choose Unbiased Loan Advice over High Pressure Sales Tactics

If you are on the phone with a loan officer and immediately getting pressure to make an on-line application before they even know your goals-this is the wrong lender for you. This is known as “sales breath.”

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You want a lender that will be a trusted advisor.

Remember your mortgage is a big financial decision. You have only one  chance to make the right choice. Sometimes choosing the wrong lender cannot just cost you more financially but may also cost you losing the home because the lender cannot perform on time or is inexperienced.

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The goal of the mortgage lender should:

  • Provide an unbiased analysis of the best loan options to meet your stated financial goals
  • Put together a loan plan that will use your mortgage and home as a wealth building tool
  • Have a track record based on reviews of being able to close on time- without surprises
  • Provide expert advice regarding programs and rate trends so you can make the best educated decisions
  • Offer clear and consistent communication during the home buying process
  • Provide valuable services and tools after you move into to your home to help track your home equity and build wealth

If the loan officer or lender cannot check each box move on to someone that can.

For more information on understanding internet rates being advertised check out a recent article in our Blog

Verify my mortgage eligibility (May 20th, 2022)

About the Author- Richard Blair, NMLS# 213176, is a mortgage loan originator with dwell Mortgage, a Victorian Finance Company. Richard has over 24 years of experience helping families as a mortgage professional. His goal is to educate home buyers to make wise financial decisions when choosing the best mortgage for their financial goals. 


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