How to Tell If You're Getting a Good Deal On Your Mortgage
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- เผยแพร่เมื่อ 7 ก.ค. 2024
- ⭐ I Can Be Your Lender In 48 States!:) Call me at 707-478-0637
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Timestamps
0:00 - Introduction and Market Observations
0:05 - Overview of Mortgage Services Offered
0:18 - Importance of Loan Estimate Reviews
0:53 - How to Determine if You're Getting a Good Deal
1:21 - Client Interaction Example
1:47 - Builder's Lender vs. Independent Lender
2:18 - Builder Lender's Motivations
3:09 - Potential Issues with Builder's Lenders
3:37 - Real Estate Agent Lenders and Kickbacks
4:47 - Real Estate Agent Motivations and Conflicts
5:45 - Example of Conflicts with Real Estate Agents and Lenders
6:32 - Finding a Lender Who Works for You
7:22 - Real Estate Agents Pushing Lenders for Personal Gain
8:30 - Importance of a Lender Working for Your Interests
9:04 - Questions? Call me at 707-478-0637 or Book the Calendar!
Licensing info:
Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2023 www.zerostressmortgage.com
NMLS 247743 Guaranteed Rate NMLS 2611
To access Guaranteed Rate:
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My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
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![กินอาหาร ถูก vs แพง!! จานละ 500,000 vs จานละ 50!! [Ver. 2024]](http://i.ytimg.com/vi/FF_HppKg4vs/mqdefault.jpg)
This is so true and the reason why you are our preferred lender. Competitive rates and communication are key to getting our clients into their dream home.
Appreciate you!
My wife and I, we are currently saving towards buying our dream home. We have closed twice before with our first property, when we originally bought and refinance. Just like you mentioned we went with the lender that was recommended to us by our builder. The closing costs is definitely the part that is most uncomfortable since it feels you are at their mercy not knowing if you are being taken advantage of. Thank you for sharing your insight! I can see how giving you a higher rate and extra fees offsets their free money. There’s no such thing as a free meal they say. We will definitely get loan estimates when the time comes! Thank you mam!
Sounds good!
“It’s disgusting”. My thoughts exactly.
The more I watch her, the more grateful I am to be building our new home on our own and with no mortgage.
Financing is not bad at all. You just gotta find your good loan officer.
Unless it’s truly extra money parting with that level of cash is usually not better.
@TerryKashat having a home that is paid for with 300,000 equity is never a bad idea. There is no way I would ever finance a home for retail that I can build with cash at half the cost. Not the easiest way to get into a new home, but the fastest way to create equity. Takes longer because we use cash to buy materials, but sweat equity is where the money is earned. Most cannot do that and understand that too, but I actually enjoy building the house, so it's not a problem.
@@mauriceevans6546 yes - when you have the extra cash on hand.
I would bet 85% of families don’t have that - therefore they need to finance / mortgage. It’s a no choice situation for most people. They can build to your situation.
Jenn, thanks for everything your team has done for the Wife and I. Will definitely be using you and your team again when getting another house in future . Got keys to new house yesterday. Will tell my Soldiers about you also.
V/R
Perez Family
So so happy for you🎉🏡❤️
Appreciate you:)
And I have often seen where the realtor's lender is their spouse. MAJOR RED FLAG.
Agreed! Way too much depending on that house closing
Subscribed, thank you for all your excellent videos!You should have a million viewers! Best wishes.
Your integrity is so refreshing ❤
Thank you!
Make a video going over loan estimate line by line
Will do. We are ordering a big teaching board which will be perfect for that
Hi Jen! We are looking into getting a home sadly we were not picked from dream for all. My lender gave us 3 options including calhfa my home assistant. What do you think? We are from east bay California.
I think it depends on if you need downpayment assistance. I am not familiar with home assistant but CalHFA is a solid program
After 19 years at our home we are selling and buying an another home in another state. We are retired and working with a mortgage broker through Zillow. Everything looks good according to the broker we we decided to make an offer. I have no idea what mortgage company we are going to with when we do.
We did a cash out refinance last year with Rocket Mortgage, to do some home improvements and it went pretty smoothly. Not sure to stay with the broker or go with Rocket Mortgage again?
Compare both:)
Are builder credits really fake? Are you saying that loans you write have zero closing fees?
A lot of them are. You will see a 15k builder credit if you use their in house lender and then for rate and fee the buyer is being charged 20k and the buyer is still bring in 10+ thousand to closing. We see this all day.
I never said I work for free.
Whos the lender in chicago????
I'm doing real state "flips" in Illinois! Moved from Cali to IL. Whos the lender?
Thanks
We all know I don’t name names, but if you have a real estate agent, that’s sending you an essay about how amazing their preferred lender is and you get a special credit if you work with them, be aware
REALTOR!, Not Realitor! 🤬
Once again never going to change