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Finding a Mortgage for Your Home in West Ashley |
Home ownership is considered by many to be the first step toward financial security. And, there is no better place to buy a home, or a second home, than in West Ashley. Fortunately there are many West Ashley mortgage lenders to choose from. There are mortgage brokers who represent numerous mortgage companies and do not do the actual lending. There are loan officers who actually work directly for a West Ashley mortgage lender or in the West Ashley office of a national lender. What is right for your West Ashley mortgage? If you have great credit and have a large down payment available from the sale of your previous home, you’ll be in the driver’s seat no matter what West Ashley mortgage lender you choose. If you’re a first time buyer with little credit history and a small down payment then you’ll need to do more shopping. You will find that “rates” will sound pretty much the same no matter who you talk to. But watch out for the fees. If your credit is weak and down payment is low, some West Ashley mortgage lenders will try to make you buy “title insurance”. This little fee can add up to $100 per month on your monthly mortgage payment. On a 30 year loan, that’s an additional $36,000 dollars! Also, check for the out of pocket “fees” you will have to pay. Some mortgage lenders may not charge anything for a survey, or a title search, or “documentation fees”, etc. While other West Ashley mortgage lenders may charge hundreds of dollars for each of these items. By law you are to receive a complete breakdown of all fees and charges prior to your closing. Read it carefully. The West Ashley mortgage lender with the best rate may not be the best deal, especially if they roll all of the fees into your loan. Beware of anyone who wants to charge you a “fee” before they even get started. The mortgage brokers get paid a nice commission and often get to pocket any fees they can squeeze out of you. So be careful. If you are dealing with a reputable lender directly, they should be willing to waive most fees. The better your credit the more any West Ashley mortgage lender will be willing to waive. |
West Ashley Mortgage Lenders |