Choosing the Right Lender

One of the most under-rated decisions when buying a home is choosing the right lender.

Let’s start with saying that picking the wrong lender can make the home buying process miserable.

The right lender will make it seem like a breeze!

The mistake most buyers make is thinking that the bank that has all their personal and/or business accounts is the best place to get their home loan.

Not at all true!

These large commercial banks (and the larger the bank, the worse for home loans) get their business by volume. Customer service is important, but not as vital as it is with smaller banks and credit unions.

In my experience, the best lenders for home loans are the smaller community banks, credit unions or mortgage banks.

These smaller companies excel at customer service and have competitive rates.

And they are much more likely to close on time!!!

The big commercial banks can be slow, bureaucratic and uncaring. They’ll be ready when they are ready.

I’ve seen more stressful real estate deals from lender delays than just about any other source. Inspections are a close second.

There are more aspects to lender selection, but my advise is the look for smaller community banks that can provide excellent service and close on time!


David Baker, MBA, CRS, GRI, SFR, e-PRO




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