GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER |
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AVOID MORTGAGE TRAPS
Is Your Mortgage Broker On Your Side???
When you choose a good mortgage broker such as Chris, you may rest assured that the broker is out there researching the market for you and not because of you. His objective is to identify the loan best for you. And Chris positively will never try to lead you into a type of loan that better suits his pocketbook rather than yours.
When you choose a good mortgage broker such as Chris, you have a broker who has relationships with many, many lenders, and can review through them all to pick the ones that offer the particular features you require. Some mortgage agents just have the one or two lenders that they always use for everyone.
When you choose a good mortgage broker such as Chris, you have a broker who sincerely works with you to figure out what your needs are, and who can counsel you on which of the loan programs best meets these needs. Please don't get stuck with a mortgage agent who could care less.
When you choose a good mortgage broker such as Chris, you have a broker who is willing to assist you in overcoming barriers to loan qualification. Chris will not guarantee to get you a home loan, but he does promise to try really hard, going that extra mile, to find you a mortgage that truly meets your needs.
When you choose a good mortgage broker such as Chris, you have a broker who will actually lock the interest rate and points on a loan when you want to lock. Please don't get stuck with a mortgage agent who tells you that a loan has been locked, but has not actually locked with the lender. Shady mortgage brokers can do this fake lock to increase their shady profit. But it can backfire, and you as the borrower can get clobbered and in some cases left hanging without a loan.
Left hanging without a loan is one way to loose your earnest money deposit. Please do not select a company that may do that to you. There can be seemingly trivial mistakes of broker omission and commision that can have very unexpected and very costly outcomes. A good agent will protect you from such things. Be so careful to avoid 'innocent' TRAPS.
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