We have been pre-approved by a mortgage company. The mortgage company has recommended a real estate agent. I am a little leary of going with this real estate agent, however, because, being a first time home buyer, I need a lot of guidance. I am afraid that, being tied to the mortgage broker, the real estate agent might not fight to get us the best mortgage deal (if it happens to be with a company other than the original mortgage broker’s).
How do you go about getting a good mortgage deal?
first of all, the real estate agent is not there to get you a deal on a mortgage – that is either your responsibility or the mortgage broker’s responsibility. The agent is there to put you in a house (show you houses, explain the offer/acceptance routine, be there at closing and walk you through the purchase process).
If you do not trust you mortgage broker to get you a fair deal, then you can start calling around to banks in your area and inquire about their rates. This means, however, getting a new pre-approval and starting from scratch on the mortgage. Being a first-time buyer, if you go this route, you are going to have to educate yourself regarding rates and points and buy-downs.
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Buying your first house and obtaining a mortgage can be overwhelming and even confusing. Check out this video to learn the basics about a mortgage and get some tips about the process.
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It doesn’t matter whether you are shopping for curtains or a home loan—keeping a few simple ideas in mind can make you a smart shopper. It will also help you save money and a whole lot of time.
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http://www.atlanta-reverse-mortgage.com/ To find the best Reverse Mortgage in Atlanta, Georgia – I have created The Atlanta Reverse Mortgage Insiders Guide that will help you with your education process.
http://www.texasreversemortgage.com To find the best Reverse Mortgage in Texas, I have created a Guide that will help you with your process.
Buying a Home and Committing to a Mortgage can be very scary.