Important Information about Rates and Fees

Quoting rates and fees is no longer a "once size fits all" experience. There are no less than SIX factors that influence the pricing of your loan and they are:

Your Mortgage Rate and Closing Costs will depend on these 6 factors Credit Score Equity remaining (aka Loan-to-Value ratio) Type of property (single family, condo, duplex, etc.) Loan purpose (purchasing, refinancing existing loan, or refinancing to take cash out or pay off other debts) Occupancy status (primary home, vacation home, or non-owner-occupied) If you have an existing 2nd mortgage or home equity line of credit

For our Basic Instant Rate & Fee Quote, we assume top-tier credit (FICO score of 740+) and 20% equity with no second mortgage or home equity line of credit. Our Loan Consultants might be able to come up with a better option than our on-line pricing system. (Yes, human beings are still smarter than computers.)

So we recommend you ultimately use our Personalized Mortgage Check Up. It will take us a few hours to respond, but by giving us a little more information, we'll be better able to find you the best, most accurate alternatives.

We appreciate the opportunity to help you find the best possible deal on you next mortgage, and make it an easy, enjoyable experience.

    Brian Wickert
    Owner and Chief Honesty Officer