If you’re like most homeowners or potential homeowners out there, the thing you’re really looking for besides the right home is a sweet mortgage deal.
Everybody wants a sweet mortgage deal, and it totally makes sense. In the 20 years that we’ve been doing this, there are a few things that we found that actually can help a person get a sweet mortgage deal.
#1 The Right Cost
You’ve got to get the right cost, and that comes through wholesale brokers. You want a really low rate, and really good costs. Well, how do you go about doing that? There’s a lot of different types of mortgage companies out there.
There are retail banks, retail mortgage lenders, and there’s wholesale mortgage brokers. The wholesale mortgage brokers—small, low, overhead companies, like ourselves—generally have the best rates possible because we work in the wholesale market.
A lot of people don’t know that there is a wholesale market in the mortgage industry. An important feature of being a mortgage broker is having access to a lot of wholesale lenders. And all of these lenders are fighting back and forth in a cool way to get business.
So they’re always trying to provide incentives, deals, and opportunities for borrowers. We take those incentives and deals and we pass them onto you. But the key is you’ve got to find them first. So that’s our job- we shop out the lowest rates we can get, the best pricing we can get, and we do it all inside the wholesale channel.
#2 The Right Product
The right product is key. There’s nothing like having a great price on the wrong product because in the end that makes it the wrong price. And there are many mortgage products out there.
There are a lot of different ways to structure loan and getting the right one for your situation at the right time is key. The right product will depend on your own personal circumstances and your own scenario.
#3 The Right Loan Structure
So what does that mean? The right structure includes the balance of costs and rate repayment terms, how to manage mortgage insurance, managing down payment amounts or equity amounts, and cash out amounts. So the right structure is very important.
Putting those three things together- cost, right product, and the right structure- will help you get a sweet mortgage deal.
But here’s the thing. If you engage with our company, we will give you a cheerful, no obligation, full structure setup.
A setup based on those three things.
Shopping the right deal for you,
Getting the lowest rate possible,
The right cost, the right product for you,
Getting the right lender for what you want,
And then nurturing that loan.
So it makes the most sense for you and saves you the most money. Now you’re not going to have any risk. If you call us, we’ll help you through it.
If it’s something you don’t want to do, no biggie. In the end, it’s your mortgage, but we want you to get the sweetest mortgage deal possible, to feel good about it, and be educated, knowing what’s going on.
We look forward to working together to help you get what you want!
Ready for your Sweet Mortgage Deal? It’s easy…
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