Ok I live in Arizona we are trying to buy our first home I don't wanna get messed over on a loan we are going through a broker/relator our credit is great almost a 700 .how can I make sure he is doing everything possible to get us the best rates ? and after the hose paperwork is done about how long can we exspect to move in? under normal cercumstances? thanks
It's always a bad idea to use a realtor who is also a mortgage broker.....both are full time jobs and impossible for one person to know what they should in both fields. If they say they do...they're lying. You should definitely look into what other loan officers offer. Tell them your credit score and your income information and they'll be able to give you a verbal quote. BEWARE.....loan officers in Dallas are not required to be licensed SO.....chances are, the loan officer you are dealing with has no continuing education requirements nor are they even qualified. I am a licensed loan officer in Nevada and a member of the National Association of Responsible Loan Officers (www.narlo.com/1882)....I can also close loans in AZ. If you'd like a comparison quote, please feel free to browse around my site (www.vegasloansbytami.com) or contact me and I'd be happy to be your "price point".
You need to do some of your own research to keep him honest. Just check out the many offers around. Don't spend too much as it is your first home try and keep your standards low. Pick the house as close as you can to the things you need. If you are getting interested make sure you spend time driving and shopping in the area. Do not get too enthusiastic as there are many great houses around and you have the advantage as a buyer at present. Check out the papers for others. Some buyers if the house has been empty will allow you to move in and pay rent while the paper work is done. At an auction paper work will take a month at a normal sale it will depend on the lender. Again do not be in a hurry. In a lifetime this will be your biggest commitment make it a good one. Do not borrow too highly as you still need to go away on holidays so good luck and above all have fun !
If you have on paper your credit report/scores most loan officers will give you some type of conditional rate quote estimate. It might be just a verbal estimate or quote. Get a few quotes. You should do this before you fill out a full application and your credit is pulled by the loan officer. Shopping always pays no matter what you are shopping for. Go with who you feel the most comfortable with and hold him/her to the quote as close as possible. NOTE: for a true quote a full application will need to be given and credit pulled by the loan officer. You will then get a GFE (Good Faith Estimate). All Quotes are with approved credit (WAC).
Typically you move in 30 days after you have a signed around agreement with the seller. Make sure your mortgage broker gives you a GFE (Good Faith Estimate). Shop other brokers with the GFE but do NOT let them run your credit. Tell them your scores and tell them to give you a GFE. Often you can negotiate your price down by showing that you received a better GFE from another lender.
I assume you are using both a REALTOR and a mortgage broker. Best thing to do is shop around. Get pre-qualified by a few lenders and let them show you what they have to offer. Your REALTOR can suggest do in your area. Most closings happen in 30 days, you can usually move in that same day, but it all depends on the contract. As with almost anything in real estate, its negotiable.
You should be around 6.250% to 6.500% max with NO points. If you are getting a 100% financing then your first loan should be the above and the second loan you should get to avoid PMI will be a Little higher, But you should shop around to keep them honest, and make sure you tell them you are sopping around that tends to help give them a push to give you a better rate.
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