Why should I work with you?
The biggest mistake people make when shopping for their mortgage is to make their decision on who they will work with based upon the lowest interest rate they locate over the phone, or the Internet. They never even consider the ramifications of getting involved with a lender that is not knowledgeable, creditable, or available. They get on the phone and start calling around. What’s your 30 year rate? It’s like….you have got to be kidding me, right? What most borrowers don’t realize is that these people are trained to get you to bite on their remarkably low rates, bring you in hook, line and sinker, and then BAM….they get your non-refundable deposit without you signing a good faith estimate, and they never once discussed with you locking in your rate. In the industry, we call this the Bait and Switch tactic. Now, I don’t want to scare you into thinking that everyone out there can’t be trusted, but you should be aware that it happens. Now consider an alternative approach to shopping for a mortgage….
How about shopping for a lender that will take the time to review your overall financial picture, give you options on various scenario’s that could save you thousands of dollars more than what an 1/8th of 1% can do for you over 30 years. It is not one size fits all anymore.
Take the time to schedule an appointment with a professional mortgage lender that:
- Will Return Your Phone Calls.
- Knows how to help you improve your credit scores.
- Knows what the interest rates are based on. (no it is not prime or the treasury bill)
- Offers you more than just one loan option.
- Always provides you a written cost estimate of your fees.
- Can close your deal on time at the price they quoted. (of course you usually don’t find this out until the end……..)
Knowledge opens doors. This is literally true when it comes to buying a home. By working with a knowledgeable lender, this will give you the tools necessary to navigate the entire home buying process – from deciding whether you’re ready to buy, all the way to getting the keys to your new home!
Are you ready to buy a home?
Call Jackie Toppin (907) 261-7655|
Jackie Toppin
Mortgage Banker
Mortgage License #100110
Preferred Mortgage
Branch of Residential Mortgage
Mortgage License #100083
3111 “C” Street, Suite 325 Anchorage, AK, 99503 |
Work: 907-261-7655
Fax: 907-261-7543
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Taking The Time, Making A Difference
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