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Look at the rate you will be paying, make sure its lower than you are currently paying. But check out all the terms. Good luck.
copies of everything you sign… and a copy of anything that has the rate on it… believe me… the desperation of some loan agents has led them to adding papers of their own which magically disappear as soon as he leaves your house…
READ EVERYTHING!!!!
Get every question you may have answered BEFORE YOU SIGN!!!
Ask to see how eveything breaks down and what you’ll be paying. Take your time with the entire process and don’t sign anything you don’t understand COMPLETELY!!
I look for rate and term of the loan.
look for pre-payment penalty.
make sure it is the type of loan you are looking for.
(fixed, interest only, Negative am… Your call) and also be educated on the type of loan you are getting if it is not a fixed rate loan.
i look at closing fee’s and junk fee’s. typically you should have about 1,000 dollars in processing/admin fee’s to whoever the lender is. probably a 1 percent origination fee. and your typically reserve and title fee’s.
i always watch out for outrageous origination. i just saw someone who had a 1,250 dollar application fee which i thought was redicolouse. and also check to see how much yield spread the lender is making. if they are making 2% or less that would be a fair loan and the L.O. wouldn’t be making a killing off of you. however if they have 2% ysp and try to charge you a 2% origination go else where. maybe compare loans with 2 different people and see what you can get.
A lot people giving advice are also looking to give you a loan, if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL!
Remember Buddha’s advice:
“Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense.” You are the only “expert” you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is “selling” you something. Don’t buy “it.”