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Mortgage Companies in Evergreen, Colorado - How to Find the Best One

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Mortgage and Lending with Clear Path Home Loans NMLS #395819, #2564260

Mortgage Companies in Evergreen, Colorado - How to Find the Best One

Look out!  Don't get stuck with a crummy Mortgage Company.  If you are planning to buy a home or refinance your mortgage, you are probably shopping for Mortgage Companies.  Finding the right one for you can be a difficult and frustrating process.  So how can you muddle through the many choices and decide on the best one?

There are several key factors that you should consider when choosing Mortgage Companies.  Here is a checklist to help you with your search.

1.  Who has the lowest rates and closing costs?  I listed this #1 for your search for Mortgage Companies because, although rates and fees should be a factor, they should not be your primary or only deciding factor.  There are two major problems with placing rates and fees as the most important or only factor in your decision making.

For one, rates change daily and sometimes even during the course of a day.  You must compare rate quotes from the same time of day on the same day in order to truly compare lenders.

The other problem with only seeking out the lowest bidder is that, like with anything, you get what you pay for.  The lowest bidder is likely the least experienced of the Mortgage Companies you are looking at, or doesn't bring much else to the table in professionalism, knowledge, or responsiveness, so they must "earn" business by offering a rock-bottom price.

2.  Experience counts:  Most Mortgage Companies in Evergreen, Colorado have been around for awhile, but that doesn't mean the particular broker you are talking to has.  In the complicated banking world we are dealing with right now, it is critical to work with someone who has the real-world experience to handle your unique situation.  Recent banking legislation has made real estate transactions more complicated and time-consuming.

3.  Communication:  When you are interviewing Mortgage Companies, you should be able to get a sense of the responsiveness and communication of the broker early on.  There is nothing worse than getting the "silent treatment" during your transaction.  Ask the broker how they will keep you informed throughout the process.  Are they willing to communicate how you want to communicate (email, phone)?  You are spending hundreds of thousands of dollars and you deserve to have top-notch, pro-active communication throughout the process.

4.  Prudent financial advice:  Your mortgage is likely the largest debt you will take on in your life.  Mortgage Companies who are true professionals understand this and will help you to incorporate your mortgage into your overall financial plan.  Properly structuring your mortgage is more than just presenting a rate to you.  If use correctly, the right mortgage plan can have a huge impact on your overall short and long term financial goals.

Hopefully, this checklist will help you in your search for Mortgage Companies in Evergreen, Colorado.

First Mortgage Corp Evergreen, COInterview First Mortgage Corp!

27902 Meadow Drive, Suite 120

Evergreen, CO 80439

303-670-0137

Posted by

RJ Baxter- Branch Manager, Educator, Speaker, Mountain Biker, Broncos Fan, Snowboard Shredder, Father of Two Crazy Kids

Top 1% of loan originators nationwide

5280 Five Star Professional 2014-2020

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303-670-0137 (direct)

baxterteam@intercaplending.com

215 Union Blvd, Suite 210

Lakewood, CO 80228

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