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How to be sure we have selected the best rate possible?

What is the maximum difference between best and worst rate? by sandeep603 from Aspen, Colorado. Aug 25th 2015 Reply


Mark Hemingway (SFSLend)
#1 ranked lender in Colorado - 569 contributions

Give me a call tonight and I can go over your current situation and needs and quote you a price over the phone. You basically want to get a couple of closing costs estimates to find the best rate. I am a licensed mortgage broker in Colorado and the #1 lender in Colorado on this site. I have a variety of lenders for jumbo and conventional loans so I can provide some of lowest rates you will need. I have a website and a Apple and Google Play app that will link you to my twitter and Facebook posts on market conditions. My number is 303-955-5606 and mobile is 720-837-7295.

Aug 25th 2015
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Kay Cleland (kay@kcmortgagecolorado.com)
#32 ranked lender in Colorado - 215 contributions

Great morning to you. My name is Kay and I am a local mortgage professional in Colorado. It is important to make sure that you shop around to get the best option that is available for your specific situation. I would be happy to assist you. 720-670-0124. www.kcmortgagecolorado.com BBB Accredited A+ and Member of NAMB, The Association of Mortgage Professionals.

Aug 26th 2015
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,933 contributions

The only way to know if you have the best rate is to compare with other lenders.. typically, you do this before you go under contract, not after.. but it's impossible to tell you what the best and worst rate would be without knowing your complete loan profile.. how much are you borrowing? Larger loan amounts get better rates.. How much (percentage) are you putting down? Lower "Loan to Values" (larger down payments) get better rates.. How long are you financing for ? Shorter terms get better rates... Credit scores? Property type (SFH, condo, MFH)? Each one of these properties have different rates.. etc, etc, etc.. I could go on, but i'm sure you get it by now.. without knowing all your loan details, it's impossible to advise you.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Aug 26th 2015
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