Hi all, I am planning to buy home for about 400k, looking for some company for loan. There are so many options like Bank of America, Chase, US Back (Large corporation) small credit unions and online mortgages like LoanDepot, LoanFight Quicken Loan. What are you guys experices with these. Are the interest rate same ? what differs from lender to lender? Which has the lowest fee in terms or closing cost and others.
Ask a few realtors that you trust for references to loan brokers, and shop around. One lender is usually indistinguishable from another, and they’ll all end up selling the loan to someone else anyways. Find the one that gives you the best deal (and that isn’t scummy, of course).
First Tech Credit Union
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if you end up working with an agent. He will have a list of trusted lenders. Choose the one with lowest rate. All loans end up in the big Fannie Mae and Freddie Mac pool.
I will tell you whom to avoid - Wells Fargo, thats who. Wells Fargo is the bank if you see walking on sidewalk, you cross the street and then take an underground to next stop and walk back to your destination.
Call Vanessa at 4088389242
Which bank is Vanessa with ?
She is one of the best loan broker I have worked with.
Will try that
Credit unions are great usually. Also non banks like fairway mortgage are good, but they sell loans right away typically. Find a lender you can trust, thats the key. so they don't change rates later in the game and are also be able to close on time.
Either a Credit Union for a "good enough" rate with great service, or shop it on Zillow Mortgages for the *best* rate and 'good enough' service.
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DCU
what does that stand for
Digital credit union.