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Real Estate
Reply to "First time buyer - help me understand how to “shop” for the best mortgage rate "
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[quote=Anonymous]You get the pre approval to shop for houses. Once you have an accepted offer, you will start shopping for mortgages. Call several local banks and maybe some national ones. You can get referrals from your realtor, too. You'll call and give them general stats on the purchase price, %down, salary, credit score. Then the lender will give you an estimate of the rate, fees, monthly payment, etc. You should not wait to lock until closing. Usually a lock can happen once an application for the mortgage occurs (when you've decided which lender to go with). [/quote]
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