I get these phone calls more and more these days. I found you on the internet and just had to ask, my loan has been with my lender for a few months now and they are not returning my calls. Listen up people. We are not living in the refi boom of the early 2000's. Loans are scarce these days. Wholesale investors are underwriting loans in three days or less, many of them offering same day turn around.

Man my internet lenders rates are soo good. I shopped and shopped and found the best deal on the internet. I got news for you. If your loan doesn't close, then your rate is make believe. And that is the problem when dealing with internet lenders in 2008. You are most probably dealing with an order taker who doesn't fully understand loan guidelines and is nothing more than a data entry clerk. And what if you have questions during the loan process and your calls go unanswered AND your lender is 14 states away from you????

Margins are so tight these days every lender should be offering very similar pricing. True pricing. Not make believe pricing. there is a difference! Why not deal with your local lender. Support your community. Visit your loan officer personally and get to know them. This is a huge transaction. Get the warm and fuzzy that you have made the correct decision selecting your mortgage company. Visit their web site and make certain they have an " about us " section that describes who the key personnel are and physical address. Seek high quality advice ----- MORTGAGE LOAN EXPERT