Don’t Believe the Billboard…or Other Similar Advertising

During my 25+ year career as a loan officer, I’ve had to compete against many loan officers who advertise unusually low rates.  While some people can technically get the rates that some of these loan officers advertise, it’s usually a very rare situation. Factors That Determine Rates On an Individual Loan: I’m not a fan […]

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Interest Rate, APR, and When to Buy the Rate Down

I get asked a lot of questions about interest rates – why wouldn’t I?  I’m a loan officer.  The problem is that interest rates don’t tell the whole story, neither does APR.  I’ll attempt to sort out the issues and – BONUS – help you understand when it’s good to buy the rate down or, […]

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Things to Consider OTHER Than the Interest Rate When Getting a Mortgage

With a title like this, some readers may think I am trying to justify higher interest rates than my competitors.  The fact is, I have very competitive interest rates, I just think that if that’s all you focus on when getting a mortgage, you miss a lot of other things.  For instance, the timing of […]

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