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Does the lender or the real estate company matter?

By
Real Estate Agent with The Carolina Crew, Inc. 246097

This is a common question when people start looking at the home buying process. In my opinion and experience the name of the bank, or the name of the real estate company do not really matter.

What does matter is that you get a loan officer and a Realtor that is friendly, courteous, understanding, and great at communication. Personally I want people I work with to email or text me about most things, but then if I have a question or concern that needs detailed explanation they need to answer the phone when  I call. At the very least they should return my call promptly. ESPECAILLY during business hours!

Many lenders can provide a lot of the same programs so if you find a person you like, share with them your research about another program. Many times they can match or beat the competition. Be cautious however, as many great sounding programs end up not being so great when closing time comes. For this reason you ALWAYS want to get a copy of your Good Faith Estimate (GFE) which a lender is required to give you. Then you can compare GFEs to see which really is the best deal.

As for Realtors, ,most every company will have good realtors and bad realtors. Interview a few to make sure you are getting a good one! They should be someone you get along with and can communicate well. Ask them what kind of training they have attended, what do they know about the market, are they a full time or part time agent?

In the end, a good realtor, good loan officer, and the right house will make the process smooth and exciting!