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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][quote=Anonymous]Not OP. How much wiggle room is there for banks to compete to get your business. Aren't rates pretty much set by logarithms and bean counters? [/quote] There's enough variation between shops to make calling at least 3 worthwhile. They may have slightly different rates depending on your credit score and your specific financial circumstance. Brokers often have lots of different partnerships that change frequently. On our last refi, the broker said he had room in that week's program for 5 loans with our LTV (60%) to get in at a discounted rate for a local bank, and appraisal was waived. I called another lender who said he couldn't beat it. [/quote]
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