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Choosing A Lender When you purchase a home, you also purchase a loan. It is just as important to research the loan as it is the home. And, there's more to choosing a lender than just interest rates. You want the loan to close and to be at the same rate you were originally quoted, the fees to be what were quoted and all deadlines met by the lender. Choosing a lender for your mortgage loan can be a stressful experience. There are numerous factors to consider. The most common way a mortgage lender is chosen is by comparing interest rates and closing costs. While these items are very important, most people forget that service is equally or more important. The term service is often over-used and nebulous. In the mortgage industry, service represents certain standards that I would demand for my clients. These standards include such things as competency, reputation, responsiveness and knowledge. Consistent communication is also a standard that is expected. The lenders listed on the following page all have these qualifications. The lender will consult with you about the best product/program for your individual needs, expedite the process and make it as enjoyable for you as possible. The best mortgage lenders will also have current market services such as quick loan approval, a wide selection of programs and will often attend closings. Obviously, it is important for the loan officer to provide this high quality service so that we can all work together and make this a wonderful experience. What is the difference between a Mortgage Banker/Direct Lender and a Mortgage Broker? A mortgage banker is a lender who not only originates their own loans but also does the underwriting, approval, provides the funds and services the loan. A mortgage banker typically has access to a smaller number of loan programs. A mortgage broker originates the loan but then submits the information to an outside source. A mortgage broker can usually offer you a much wider variety of loan programs. Print This Page                                                                                                                                             Return to Top of Page Buyers Best Choice is a True Personal Service Real Estate Agency located in Colorado. Web Design by Amaasing Designs