Ameritrade Application

How to Get a Good Mortgage

Getting a good mortgage rate and terms at a reasonable cost may be difficult for the consumer untrained. I have been involved in the financing of real estate on two fronts, first as an appraiser who has evaluated for lenders more than one thousand mortgages and the second as an investor who has requested and has refinanced more than 100 loans over the past 15 years, Let me share some tips on how to obtain a mortgage at a good price as low as possible. Visit my blog for tips RealEstateInvestorsLife.com mortgage more.

1. Your credit report information. One of the first things to consider before buying a home is to obtain a copy of your credit report and monitor errors. If you are applying for a loan without documentation, for example, the credit report can be the most important piece of information available to your lender. The errors can be completely erased, and information out-of-date that could weaken your credit score, but it takes time. Start working on this project long before applying for a mortgage. In this way, agencies information has time to update your data.

Two. Shop around. Get quotes from 3 lenders. You may be able to save you hundreds, even thousands of dollars by avoiding the high mortgage rates and / or high fees.

3. Always check the bond rates 10 years. All mortgage rates are connected to the bond rate at 10 years. This rate can be found at any financing or web stock, such as Yahoo Finance, Google Finance, Ameritrade, Fidelity and many more. For example, if your mortgage broker quotes you 6% on one year fixed today, 30 tomorrow and 10 Dropps year bond rate by 0025 basis points, you can be sure that the rate of 6% that you received yesterday has also fallen. But your mortgage broker or do you call the lender. Why should they? They make more money in selling you more than 6% rate. You'll have to call you and tell your broker that the rate 10-year bonds fell and that you expect your rate of 6% to also file accordingly, probably to 5.75% -5.875%. Believe me once you make such a call, your mortgage broker know that you're above the game.

4. Try to avoid and eliminate brokers, mortgage brokers, loan broker "and go to direct lenders or banks. brokers private loans are rarely able to compete with direct lenders or banks on interest rates and they often charge excessive closing costs or third party "fees trash, such as processing fee excessive fees, storage fees, the cost of preparing the documentation, etc.. Going to a lender directly or a bank, you can be almost certain that the closing costs associated with your loan are still valid and no junk fees are applied.

5. Always haggle. A mortgage is a mere consumer product. Some clever words can benefit from a milder treatment. Make sure your requests in advance. Let them know that you'd like to have your processing fee, which is usually around 330 – $ 500 waived. Know your interest rate markets and try to pay the least points. Try to pay less than 1 point loan between $ 200,000 – $ 1,000,000. On loans more than 200,000 it is not uncommon to pay 0075% points, without reimbursement to the rear end. What is a refund you ask? Mortgage brokers get an upfront fee, called "Points or Origination Fee" which is a percentage of your loan, but what Most do not know is that mortgage brokers also receive a termination indemnity return calls for surrender "or yield spread, which is their premium compared to the nominal rate they receive from the investor or lender of the source, assuming an increase of 2 points for example, the dealer will quote a point on a loan of 6.5%. If the nominal current base lending rate is 6% then you just pay the mortgage broker 1.5% of your total loan. The borrower pays the rebate over time through higher interest rates. By law in most states, including California, the mortgage broker must disclose the cost of back-end rebate to consumers on the closing documents sent to the borrower, to check to see How rebate or yield spread broker is charging. The ideal situation would be 0 and negotiate fair reimbursement on points ahead in this way Are you sure that you will receive the best available rate at the most reasonable cost, nothing is hidden or unknown.

6. Make sure your loan selected does not have a prepayment penalty. Many people get what they consider a large loan and are not even aware they have a prepayment penalty of 3-5 years. They learn when they try to refinance or sell their existing loans they need to pay six months interest or more as a penalty for prepayment. Mortgage lenders and mortgage brokers also benefit to give you a prepayment penalty because they will have attached to their loan product for 2-5 years not to mention more than compensate for them in a form of rebate if they can take you to get a loan with a prepayment penalty. Do not fall for it. Never get a loan with a repayment penalty for anticipated.

7. Have the lender or broker write down all the costs associated with the loan, they are generally required by law to send you a "Good Faith Estimate" within 3 days of the initial loan application. All your expenses must be listed on the estimate in good faith, whether the lender or broker removes or reduces one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker does not agree to reduce a fee while raising another or to lower the rate while raising points. There no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere.

Remember when buying or refinancing, shop around to compare costs and terms, and negotiate the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points from several lenders. Since rates and points can change daily, you want to check your newspaper often when shopping for a mortgage. But the newspaper did not mention fees, so make sure you ask the lenders about them.

About the Author

Visit www.RealEstateInvestorsLife.com for more info. Rick Sarouk is an active nationwide real estate investor and certified appraiser. He has been investing in foreclosure and preforeclosure real estate for the past 18 years.

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