What all Lenders Disclose:
All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.
What we at OPTIOfinancing would like to add:
When a rate that is quoted by electronic app or from an advertised online site such as bankrate.com®, does not match the final rate offered to the borrower (by any lender) it is often blamed because of market fluctuations (*Rates are subject to change, see above). While this is often true, it is only part of the story…
The greatest fluctuation in rate and price of this rate is often not because of Market conditions, but a result of borrower qualification which can change during the Mortgage qualification process.
As an example, even the most highly qualified borrower can pay $2,500 or more in closing cost for the same rate on a $500,000 mortgage because of a 1 point different in credit score (example:724 vs. 725 middle credit score).
At OPTIOfinancing, it is our mission to help you not just qualify for a Mortgage, BUT to also help you qualify for the BEST Mortgage for you, with the lowest payment possible, that suits your long-term goals.
To learn more about the mortgage processes and lending secrets your last Lender may not have told you, click here.
For a Free anonymous quote, please complete the form to your right. There is no need to pull your credit.
If you would like one of our experience, licensed Trusted Mortgage Advisors (an OPTIO) quote you by phone, feel free to give us a call as well: click to call
Our user-friendly calculator puts you in charge of estimating your mortgage payment.