14 Sep 09 Pre-approval for buying a home?
Tags: Buying A Home, Current Situation, First Time Home, First Time Home Buyer, Mortgage Lender, Paperwork, Pre Approval, Time Home Buyer
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Tags: Buying A Home, Current Situation, First Time Home, First Time Home Buyer, Mortgage Lender, Paperwork, Pre Approval, Time Home Buyer
fantastic query!
YOU may visit any bank you wish! A bank will not
usually charge you more than .5 or 1 point, whereas a mortgage
broker will charge 2-5 points.
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Yes, you can go to either a bank or a broker and find whoever is most competitive, I would recommend at least 3 GOOD FAITH ESTIMATES.
If you don’t want them to run your credit go to or any other credit reporting website such as or and buy your own report with FICO scores, you will spend about $50.00 for all 3 FICO’s.
Then bring your credit report with you when you apply and asked them not to run it until you find the most competitive rate.
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Sure, you can go in the bank and ask to speak to a mortgage officer. Might be a good idea to call ahead of time and make an appt so they have time to sit down and talk with you.
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