The lessons Manual and Geri learned from this: Never pay more than the credit report fee, normally $40 to $75, upfront. And only after credit and income ratios look good should you pay for the appraisal costs and small inspections that may be required in your area. Be wary of application fees. Good lenders won’t [...]
Continue reading...Friday, November 25, 2011
Manuel and Geri found out the hard way about bad lenders when a relative pressured them to use a friend in the mortgage business. They had found a cute bungalow close to their children’s school and made an FHA offer with a four-week closing date. The loan officer took their application and explained that he [...]
Continue reading...Monday, November 21, 2011
The mortgage industry shelters good, bad, and downright scary loan officers and companies, so you need to exercise vigilance and use the tools offered in this chapter to avoid pitfalls. Although there are plenty of good, honest, hard-working lenders in the business, too many buyers fall prey to slick advertising, unrealistic rate quotes, or going [...]
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Tuesday, November 29, 2011
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