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How to pick a Loan Officer
With today's super low mortgage rates, many people are looking to refinance or buy a home.  Everyday, they call lenders and ask "What is your rate."  A seeming logical question to ask - but the reality is, the #1 most important aspect of a successful mortgage transaction is the quality of the Loan Officer.
When selecting a Mortgage Loan Officer, most people mistakenly call their local bank first and assume the banks have hired qualified people.  The reality is, most banks hire relatively new, and have low paid people as mortgage loan officers. Bank Loan Officers are NOT required to have any education, nor do they have to pass any sort of mandatory state or federal tests to be labeled a loan officer. Many of the big banks staff their 1-800 phone numbers with temps.  Yes, you heard me - temps!
The secret to selecting an expert is a combination of experience and training.
An experienced Loan Officer can help you understand the entire mortgage process and will be able to determine the best loan for you based on your individual goals. The right loan for someone who plans to stay in a home for three years and who has increasing income, may not be the right ... more

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