I have access to many different institutions and lenders. I only pull your credit score once, and have the ability to shop around for the best rate on your behalf.
If you do this on your own, each bank and financial institution will pull your credit separately, which is not a great thing for your over all score.
You might not know that the lending environment has changed greatly in the past few years, and rates today depend on many more variables:
How much of a down payment you have, whether your mortgage will be insured, what your credit score is, and how severe a payout penalty you’re willing to risk.
So rather than posting the absolute lowest rate possible on the assumption that every variable works out in your favour, let’s talk so we can determine what your particular situation is and what your rate might look like. We’d much rather do that than publish a rate you’d be disappointed in, if it wasn’t available to you.
It takes a conversation with an industry professional to explain the pros and cons of any rate being offered. Contact me today so we can discuss your personal situation.