1. The best method remains starting with Zillow’s comparison tool, and talking with 2 or 3 of the best offers it brings up. Not necessarily through Zillow.
2. The best rates are all from small companies in California.
3. The flashy FinTech companies are overloaded and seem like a big hassle to deal with based on reviews and horror stories of problems like 6 months to close.
4. Maybe because my LTVs are now very low, but I got a general feeling of loose money and easy underwriting. Not even one time did I get a “can you explain X?” or “can you provide more statements?” or “why does you bank account show this transfer?”
This was still a full doc loan, but it just went very smoothly. And they didn’t even ask for or care about my brokerage account asset. Maybe these annoyances are just back loaded with my lender right now.
