Lynnwood Washington Real Estate
Financing and Re-Financing
What are you being charged on your loan?
Are you an educated shopper when it comes to your home loan?
Do all of those Zero Fee ads sound enticing?
Do you ever wonder if there is a catch?
THERE IS!
Loan officers rarely disclose just exactly how they make their money. If there are no up front fees, just exactly does the loan officer make their money?
Loan officers have secrets!
- Increased Interest Rates
- Broker Charges
- Origination Fees
They won't tell you about points, and hidden fees that may mean that you are paying thousands or dollars more than you need to over the life of your loan!
The tricks just get dirtier!
Your Good Faith Estimate is provided to you by your loan officer should list all the charges, fees and expenses associated with your loan. These numbers should not change substantially between the time you receive it and the signing of the final paperwork. Unless the loan officer decides to make a little extra money. My clients working with other loan officers have had to bring in excess of $2000.00 to closing because the loan officer found some 'extra fees' to tack on.
The vilest trick of all (a loan officers bonanza!!!)
Many of my clients have told me horror stories of past loans where they sat down to sign their final papers, and discovered that they were paying a higher interest rate and extra fees! Since they are at closing, have given notice to their rental and are committed to buying their new home, they feel overwhelmed and under pressure sign the bogus loan anyway just to get it done!
Find out what my clients already know!
My clients never get last minute surprises that force them to accept paying extra fees or risk losing their property they want. The loan fees I charge are always stated up front and fully explained! Lenders do change loan programs from time to time, and surprises do happen, but I inform my clients ahead of time so we can review our options!
Tired of being hoodwinked?
Ready for an honest loan?
Call me now at 425-773-3149 to go over your loan options. I can help you find the right loan program to achieve your real estate goals without the risk of nasty surprises!
Lynnwood Washington Real Estate
Jacqueline Cliff, Realtor - Re/Max Champions Lynnwood, Wa
Lending services provided through Lending Associates Lynnwood, Washington