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< Mortgage Guide

Florida Mortgage Shopping Guide

Shopping at least two mortgage lenders for a mortgage typically results in you obtaining the best mortgage deal. A mortgage, whether it’s a home purchase or a refinance, is a product, just like an automobile, so the price and terms may be negotiable. You need to compare all the costs associated with the type of loan you are shopping for. Shopping, comparing, and negotiating could save you thousands of dollars throughout the term of you mortgage.

Choosing a bank or mortgage company

Home loans are typically offered through various types of lenders (commercial banks, credit unions, mortgage companies, and mortgage brokers).  Based on industry research, owner operated mortgage brokers have access to many lenders, which can lead to a wider and more competitive selection of mortgage products from which you can choose.  Therefore, choosing a reputable owner operated mortgage company greatly increases the ability in obtaining a more competitive mortgage rate / product.

Finding the best mortgage

Here are some simple steps in finding the best mortgage in Florida: be sure to always ask for a good faith estimate prior to paying any upfront fees such as appraisals, and avoid companies that beat around the bush in quoting you rates/costs. When comparing closing costs, be sure to compare similar mortgage products/terms. By doing so, you are able to compare costs associated with the same loan amount, loan term and loan type.

When deciding which mortgage term best fits your needs, be sure to take into account your current and expected income, and your length of stay in your home. The most important factor in determining the best priced mortgage is by looking at the true finance charge associated with a mortgage. Therefore, this requires paying attention to the APR and the finance charge section of the Truth in Lending Act disclosure statement.

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When it comes to getting a mortgage

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