Where to Get the Best Mortgage Rate
by Osman Parvez
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A lot of people are asking me who has the best mortgage rate. Time to invoke the wisdom of the crowds.
If you’ve recently refinanced or taken a new mortgage, or if you plan to do so in the near future, please leave a comment with the following:
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Principal: (The amount financed, i.e., $375,000)
Rate and Structure: (i.e., 4.9% fixed, 30 year, conventional)
Fees and Points: (i.e., $500 closing fee, 1 point or $3,750)
Estimated Loan to Value: (i.e., 75%)
Date Closed: (i.e., 12/15/2009 or “next week”)
Property Location and Type: (i.e., Boulder, primary residence, single family home)
Lender: (i.e., Wells Fargo)
Contact: (If you recommend the person, go ahead and provide a name and number)
Subjective: (i.e., “Jane was the nicest, most straight forward lender I interviewed and she had the lowest rate by far!”)
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Naturally, we have a list of lenders we often send clients to, but rates and programs change all the time. Bottom line: Mortgages are a commodity and you have to shop around to get the best deal. I look forward to your comments.
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image: Brian Sawyer
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As always, your referrals are deeply appreciated.
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The ideas and strategies described in this blog are the opinion of the writer and subject to business, economic, and competitive uncertainties. We strongly recommend conducting rigorous due diligence and obtaining professional advice before buying or selling real estate.
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Osman was a refreshingly honest realtor. He stressed through the entire process that his goal was to make me happy with my home purchase. I greatly appreciated the fact that he never shied away from pointing out the negatives as well as the pluses of different places while leaving the final decision up to me.
We can highly recommend Sophie. Her attention to detail and communication skills are great. Our home was in area that most realtors are not familiar with, but Sophie took extra time to get to know the neighborhood in order to give us quality service. She also brought in a professional photographer to make our home look its best. Even though the listing was in winter, the house sold quickly. With Sophie’s business and people skills, we have no doubt she will be a top realtor in the area.
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More about the author
Osman Parvez
Owner & Broker at House Einstein as well as primary author of the House Einstein blog with over 1,200 published articles about Boulder real estate. His work has appeared in the Wall Street Journal and Daily Camera.
Osman is the primary author of the House Einstein blog with over 1,200 published articles about Boulder real estate. His work has also appeared in many other blogs about Boulder as well as mainstream newspapers, including the Wall Street Journal and Daily Camera. Learn more about Osman.
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