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The Water Cooler
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shop online for my home loan
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<blockquote data-quote="vvvvvvv" data-source="post: 2718688" data-attributes="member: 5151"><p>Definitely shop around. Keep in mind that low advertised rates are often reserved for those with 800+ scores.</p><p></p><p>Also, depending on what "well into" means, don't be surprised if the credit unions can't offer a competitive rate. It seems they do best for people with average and a little higher credit scores, but the large lenders take over for those with high credit scores.</p><p></p><p>For shopping the local banks and credit unions, you might consider a mortgage broker. Yeah, they'll take a commission or fee, but sometimes they can get you a better rate than if you'd walked in and asked. Plus, the leg work is probably worth something to you.</p></blockquote><p></p>
[QUOTE="vvvvvvv, post: 2718688, member: 5151"] Definitely shop around. Keep in mind that low advertised rates are often reserved for those with 800+ scores. Also, depending on what "well into" means, don't be surprised if the credit unions can't offer a competitive rate. It seems they do best for people with average and a little higher credit scores, but the large lenders take over for those with high credit scores. For shopping the local banks and credit unions, you might consider a mortgage broker. Yeah, they'll take a commission or fee, but sometimes they can get you a better rate than if you'd walked in and asked. Plus, the leg work is probably worth something to you. [/QUOTE]
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shop online for my home loan
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