I have access to more lenders with more programs.
I personally pay for and use state of the art systems to sift through the many lenders with whom we have wholesale brokerage relationships to find you the best rate. Sifting through lenders is often not as simple as that. Thre are other differences to consider.
How will that particular Underwriter regard that particular thing about the way we are structuring your loan? Or how about your still-there-student-loan– does it make more sense to underwrite according to Fannie or Freddie guidelines? Conventional lenders have different packagings of the loans they sell on to Fannie Mae and Freddie Mac or even that are guaranteed or insured by the VA or FHA. Sometimes that really matters. What if your financing needs are not conventional at all? Commercial real estate? Not a US Citizen? Spec building? An airport? Doesn’t it make sense to have access to many lenders?
Whether you & your significant other are about to purchase your first home with a tiny down payment or you are a sophisticated investor structuring the purchase of a commercial building, you’re making some of the biggest financial decisions of your life. You want to go to an expert who has access to a solution that fits.
Call me today and let’s chat about where you want to be.