shopping for mortgages

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shopping for mortgages



14. Shopping for mortgages


Mortgages have become a rather impersonal thing. You may get your mortgage from a local lender or through a local broker only to find the note sold to another lender within days of the original closing. The mortgage is what is know as a marketable security and market them they do. The only good reason to deal with a local lender or broker is to get personal service assistance in filling in the forms. This will often be done by phone, mail and fax. If one can get the same assistance from a non-local lender or broker, and get a better mortgage, in terms of interest rates and qualification, then there is little reason not to take advantage of the national lender’s superior mortgage product.



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