How to Pick A Good Mortgage Lender, and Avoid Bad Ones!

Рет қаралды 2,361

Ай бұрын

⭐ Have Mortgage Questions?
Call me at 707-478-0637! or Book the Calendar at calendly.com/jennifer-beeston
⭐ Ready to Get Pre-Approved?
Head to www.zerostressmortgage.com
After filling out the form, Text me at 707-478-0637 so I can alert my team!
⭐ Want to Learn VA Loans?
Check Out My Free Video Course!
nostressva.com
⭐ What Is It Like Working With My Team?
Check out my google reviews! Over 500 5 Star Reviews :)
tinyurl.com/jenniferbeestonre...
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Timestamps:
0:00 Introduction
0:01 Importance of Asking Questions to Your Mortgage Lender
0:35 Red Flag: Not Communicating Directly with Your Lender
1:26 Researching Your Loan Officer
2:23 Importance of Reading Reviews
3:59 Verifying Your Lender’s Experience
5:01 Question 1: How Long Have You Been in the Business?
6:29 Question 2: At What Point Can I Lock in My Rate?
8:45 Question 3: How Long Does it Take to Close the Loan?
9:08 Question 4: When Will You Go Over Closing Costs and Payments?
10:27 Question 5: Pre-Qualification, Pre-Approval, or Fully Underwritten Pre-Approval?
11:13 Importance of Fully Underwritten Pre-Approval
13:02 Explanation of Credit Pulls
16:00 Question 6: How Many Loans Did You Close Last Year?
17:15 Question 7: Do You Participate in Real Estate Agent Marketing?
19:02 Importance of Asking Questions and Setting Expectations
21:46 Questions? Call 707-478-0637 or Book the Calendar
Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2022 www.zerostressmortgage.com
NMLS 247743 Guaranteed Rate NMLS 2611
To access Guaranteed Rate:
www.guaranteedrate.com/discla...
www.guaranteedrate.com/licens...
My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
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Пікірлер: 25

@TheEdutainers335 Ай бұрын

We have the privilege of working with your team. At the end Jen Anderson told us that the other lender was offering a better rate (6.35% vs 7%) But, what a pleasure to have her as a lender. We were shopping and compare rates with 4 different lender. We told everyone since the first chat that we were shopping, Jen was very understanding. We had other lender who was super mad when we told him we found a better rate, he even told us that we were using him and his knowledge and after all his effort we decided to go with another lender. Crazy, right? But so different with Jen. Definitely considering the team when the time to refinance arises.

@leesmith5419 Ай бұрын

I honestly don't believe I've ever seen anyone as knowledgeable as you on any subject given

@JenniferBeeston Ай бұрын

Thank you:) I have been doing this for a looonngggg time.

@Love4puppies Ай бұрын

I 100% agree ( as always) with everything you said! ( I hate when realtors play lender and try to give you a monthly payment without even knowing your situation) Thanks for the great videos!

@JenniferBeeston Ай бұрын

@digimodelseth Ай бұрын

appreciate the information, thanks

@JenniferBeeston Ай бұрын

Glad it was helpful!

@jovelynmartin8820 29 күн бұрын

I like this topic ❤

@CMBBmc-jd6ur Ай бұрын

Jennifer’s Guaranteed Rate is outstanding. I do not work for them. They are pros: I was underwritten for a mortgage from them in about 5 days. Just be sure to give them all your information.

@JenniferBeeston Ай бұрын

❤️❤️❤️

@greendale634 Ай бұрын

As home buyers, we both need to shop around and we can't be having every lender do hard pulls of our credit. It's not our fault that those pulls affect our credit score. And those scores are the very thing lenders are looking at.

@JenniferBeeston Ай бұрын

You can shop multiple lenders within a 30 day window and it doesn’t hit your credit score. A

@jamesgatlin4162 Ай бұрын

The problem is lenders try and confuse you. Even if you ask them a specific question they talk in circles. Then they give you a loan scenario sheet that confuses even more. You can’t get an accurate estimate until you go under contract and get a real loan estimate and most people can’t wait that long for accuracy because we need to know if we can afford it before we ever go under contract. It’s very difficult to navigate the mortgage loan process because they are all saying something different. I’m a veteran and have been shopping with 3 different lenders and honestly I don’t trust what any of them saying. One of them is rocket mortgage . One lender gave me a rate which was higher than the par rate and said shop around and they would beat any offer. How bout you give me your best shot from the start instead of making me go ship around and then send you a loan scenario from another company that probably isnt transparent either. lol it’s a shit show.

@russlea6383 Ай бұрын

Question: What types of properties do you lend on?

@JenniferBeeston Ай бұрын

Great question Russ:) houses, condos, multi units, manufactured, townhome Really I just don’t lend on co-ops and commercial realestate and mixed use

@russlea6383 Ай бұрын

😞💔

@DemorrisBoyd Ай бұрын

Hey I’m having a problem that you might can help me with

@JenniferBeeston Ай бұрын

Give me a call tomorrow 707-478-0637 :)

@lorettasnow952 Ай бұрын

Is it appropriate to ask a lender how many VA loans have they processed in a year?

@JenniferBeeston Ай бұрын

Yes, you should 100% ask them that. So many people claim to be a VA expert and they’ve closed one per year. It’s really outrageous. Keep in mind they could totally lie to you as well so definitely I have some VA videos that give you some test to see if they know what they’re doing. Check out my free va course. Www.nostressva.com

@gwendolynmccall211 17 күн бұрын

Hello, you are a VA loan lender? I’m looking to purchase in Alabama in the next three months. And I want to work with someone well versed with VA loans.

@JenniferBeeston 17 күн бұрын

Yes I am:) feel free to give me a call or jump on the calendar. calendly.com/jennifer-beeston/va-loan the calendar