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Home Loan Sheldon or send an email to [email protected]

I can’t comment on bankrate, have no idea who they send you to or what they are quoting you. There are situations that get misquoted online all the time, and it’s funny how it doesn’t get straightened out until after your are well into the process, and the rate gets raised.

How “fabulous” are the rates and what are the fees to get the rate ??

I can get basic approval and underwriting conditions for you 24/7 myself within a short time of taking an application. With this approval, the rate can be locked on a business day. Provide the conditions and it’s a breeze,
Done in 10 days to 2 weeks.

If the borrower cannot provide the conditions, that’s where problems start. (Proving imcome, documenting down payments, job history, etc) Then it’s no loan.

If your shopping solely by rate, you are asking for trouble.
Millions of people think that they got a great rate when they shopped by rate, and their experience turned into a nightmare.

There are some great realtors out there, including the ones on this board that are straight as an arrow.

There are many agents though that don’t understand the financing aspect one bit. They earn nothing if the deal doesn’t get done. They may not be sending you to someone who is fair, but just to someone who will hopefully get the deal done for them. Do you think most agents care if you getting the right rates/fees ?

Joe, shop til you drop, knock yourself out.

My office is in Temecula, I live in Fallbrook, I’m generally available 7 days a week. I’m available by phone about 16 hours a day. I do this because I enjoy it.

Contact me if you have any questions. I may have to call you back, but I don’t bite.

By paying a “discount fee” you can always buy a rate down, if you have the $. There are 30 YR fixed rates at 5% or less with a cost. Don’t get fooled by rates without knowing the fee.