When searching for a mortgage company, anything to think about besides the rate?

We currently have a construction loan and are looking to get a conventional soon. What should I look for in a mortgage company, besides rates?


Do they all charge the same closing costs / fees? If not, how do I know what they charge without applying.





ThanksWhen searching for a mortgage company, anything to think about besides the rate?
Yes, you want to look at the over all cost of the loan over time.





You see, every mortgage company has access to different rates, fees, and loan programs. You need to make sure the company you select has your best interests in mind and asks you about your needs and wants when it comes to the loan.





Often times if you're going to live in the house for an extended amount of time, you'll want to look at paying points. In fact, when rates are low (like right now) it is the best time to pay points because you'll probably not have the chance to capture these low rates again.





The easiest way to find out what a lender charges is to request a good faith estimate. The problem is reputable lenders won't give them to you with out an application. This is because your application is what determines the loan you'll actually qualify for. A reputable lender will only quote you something that they can actually obtain.





If you are in Washington, Oregon, California, or Arizona, I'd be happy to help. You can contact me through my website at www.benjaminbrashen.comWhen searching for a mortgage company, anything to think about besides the rate?
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