Please reach me at jennifer@rosethmortgage.com or at 919-930-9705 if you cannot find an answer to your question.
Technically speaking, yes, we are middlemen. However, just like independent insurance agents, we have access to lower rates through wholesale mortgage lenders. And because these wholesale mortgage companies compete for our business, clients of brokers save an average of >$9,000 in closing costs and interest over the life of the loan. Simply put, brokers are homebuyers' best friends in the mortgage business - and that's why I work for one.
Yes! The first mortgages in America required people to put 50% down. After a while, down payments came down to 20%. Nowadays, many people buy homes with minimal and even no down-payments. I'll be glad to explain the various options available to you - schedule a virtual meeting with me or give me a call anytime.
Interest rates are influenced by a number of factors, but the Unemployment Rate is a good indicator of where they're headed. If unemployment reaches 4.2% in April or May o 2024, expect to see the Fed begin cutting rates aggressively. At 3.9% in March, it's very possible.
However, please keep in mind there are real people behind those numbers. A lot of people have to lose their jobs before rates come down, and I just can't get behind wishing it will happen. Call me to find out where rates are today.
First things first. I earn a commission only when I close a loan, so there's no charge if there's no closing. This motivates me to find the best possible deal for my clients. I'm paid a percentage of the loan amount, and I save my clients more than I cost them. Schedule a virtual meeting with me to find out how much money you can save on your transaction.
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