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My mission is to use my years of experience to carefully guide my clients through the entire home loan process from start to finish, so that they feel confident as they make choices about the many options available for their financing strategy. With many years and a wide range of experience in the mortgage industry, my team and I take an active role to assist and guide each and every step of the way. Check us out at

<p>There are only three things you need to know when shopping for a mortgage interest rate.

1. The RATE
2. The TOTAL COST to get that rate.

These two always go together, they are never separate. Points, no points, junk fees...who cares what label the lender puts on it, no matter how you slice it, at the end of the day you have a rate and you have the costs to get that rate. Make sure you get all the cost of the loan and not just lender points. For example; appraisal, title, escrow, all lender fees, origination fees, points, government recording fees, etc are all part of the closing costs.

3. Compare the SAME loan: Rates can change throughout the day so make sure you compare the same day the same lock days, loan amount and value of your home, and credit score. Here is a link to Fannie Mae's loan level pricing adjustments for those who care to see the pricing add-ons for themselves.

Note: Always leave impounds (the taxes and insurance reserves your lender holds in an escrow account) out of the equation. they will be roughly the same for each lender and are not part of the closing costs.
Sign up for our rate alert and we'll email you rate updates on a daily or weekly basis or any interval you specify. Fill out the Instant Rate Quote form at http and check the rate alert option. It's that easy, try it out.

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