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Alexander Kybal
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What is Real Hotline?

Real Hotline is a one-stop property information service for home buyers. With a single e-mail, Real Hotline allows you to get all the information you need on all the properties you want, regardless of which real estate company listed or advertised the homes for sale.

Be prepared by reading 10 in-depth Home Buyer Tips on the most often-asked financing and home buying questions.

Should you have any questions regarding any
of the issues covered in these articles, feel free to
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Home Buyer Tips

Mortgage Pre-Qualification vs. Pre-Approval?
How Much Home Can You Afford?
How Is Your Credit Rated?
How To Organize Your Paperwork Early For Your Mortgage Loan?
Which Lender Is Right For You?
Tips To Pick A Loan Plan That Meets Your Needs
Conforming vs. Non-Conforming Home Loans
How To Minimize Your Mortgage Costs
The Good And Bad Points Of Mortgage Loan Points
Why You'll Need More Cash Beyond The Down Payment

WHICH LENDER IS RIGHT FOR YOU?
Look Beyond Interest Rates For A Lender Who Meets Your Needs

When you start shopping for a mortgage loan, keep in mind that the lowest interest rate and fees are not necessarily the best measure of a mortgage provider. It makes sense to find out more before you pay a non-refundable loan-application fee-perhaps $350 or more.

Here are some important "non-financial" characteristics to consider when looking for a lender:

A lender's track record of closing loans, providing professional service and delivering the loan within the good-faith estimate of closing costs can be much more valuable than finding the lowest interest rate.

If you're looking for a particular form of financing, find out how many of that type of loan the lender has brokered. Some lenders tend to specialize in certain types of loans and rarely, if ever, handle others. Look for a lender who's experienced with the type of specialty programs you want.

Also consider the depth of a lender's program offerings. Not all lenders handle government-backed loans (VA, FHA), non-conforming loans, construction loans or wrap-around mortgages. If for some reason your first mortgage choice falls through, you'll need more than a one-program lender to give you options. The idea is to avoid having to transfer your loan from one lender to another because the first lender doesn't work out.

Remember, closing the loan is much more important than finding the lowest cost. It doesn't matter how much you "would have" saved on a mortgage if it never goes to settlement because the lender couldn't meet your needs.