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Imagine you have just went to the Doctor in Minneapolis, or the Mayo Clinic in Rochester and found out that you have to have surgery on your knee and the procedure will be pretty extensive! Most people just won't take the doctors word any more. They seek out another doctor for a second opinion.
That's the way it should be with your home loans and mortgage too! If you have already been pre-approved or pre-qualified for a mortgage on your next home, are you absolutely sure you are getting the best service and the best deal?
I'm not talking about interest rates either!
I'm talking about the structure of the deal itself! Donald Trump, in his book called The Art of the Deal said, The price that you pay is the least of his worries in a transaction. Its how the deal is structured is what matters most. You could have been quoted a wonderful interest rate, but if your financial house is not in order, the best interest rate could be absolutely the worst loan for you.
I'm not saying that interest rates are NOT important, they are! But, here are some of the things you need to consider and why you need a second opinion from me:
Should you decrease your down payment and use your cash to pay off your high credit card debts?
Should you pay points or loan origination fees?
Does a no closing cost mortgage make more sense for you?
Are you better off with an adjustable rate or a fixed rate?
and did your lender show you how to save thousands of dollars and take 5 years off the mortgage term?
If they did not talk to you about any of these issues then you definitely need a Second Opinion.
While it may be convenient to walk across the hall from your real estate agents office, you typically pay more for that convenience. They don't work for free, and when they know you just walked across the hall and didn't shop, do you think that are offering the best deal to you? Could be, but not likely.
Banks offer free checking because they know when it comes time to get a car loan or a mortgage loan, you are already familiar with them. This attitude of familiarity can cost you a lot if you don't shop somewhere else. Again, they don't work for free, so when they think you are not looking elsewhere, do you think you are getting the best deal in the market? Could be, but not likely.
We are not your bank, and we are not across the hall from your real estate agent. Therefore the only way we get a chance to do your mortgage loan is by having lower interest rates, lower closing costs, and doing it all better and faster. If our interest rates were the same or worse than your bank or Realtor's lender, we would never close any loans. But we do. We close a lot of loans! We are ranked as one of the top non-bank lenders in the State of Minnesota, and have been doing mortgage loans since 1991.
You have everything to gain and nothing to lose to get a mortgage quote from us. You can simply walk away knowing that your first lender has done a good job for you, or, you will find out that they haven't.
Either way, you win, so click here to get a quote from Mortgages Unlimited, Inc for a home loan in MN, WI, or SD.
NOTICE: Not all Loan Officers are Licensed. Verify your Loan Officers Credentials. Are you working with a Licensed Profession, or an unlicensed application clerk? Don't gamble on your largest financial transaction.
|Equal Housing Lender||
33 Wentworth Ave E - Suite 290
My services available only for properties located in Minnesota, Wisconsin, and South Dakota. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Mortgages Unlimited, Inc. Nationwide Mortgage License # 225504. Joe Metzler NMLS Originator Lic # 274132. As a Lenders One partner, we are part of the 3rd Largest Retail Mortgage Originators in the country. We are consistently ranked as one of the top mortgage lenders in Minnesota by Minneapolis St Paul Business Journal. Any use or duplication of any materials is strictly prohibited. All images, text, and materials © 1998 - 2017 Joe Metzler. This is the private web site of Joe Metzler, NMLS #274132. All Rights Reserved.