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Reply to "First time buyer - help me understand how to “shop” for the best mortgage rate "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Thanks for all the responses. I appreciate it. Two follow up questions. What is a hud-1? Does everyone agree that the right time in the process to “shop” around is after the buyer is under contract on a house? Or should I be doing this shopping right now when I am getting my preapproval? The timing piece on this is throwing me. [/quote] Yes, but you need to have your contacts ready. Time flies once you start the process. [/quote] You do the bargaining once your offer has been accepted. Rates change daily, and different lenders offer different things. When you get your quotes, you tell them your financial information and make sure they can close you on time. At some point you may find a better rate, but can’t close on time, at which point you would have to renegotiate the contract terms. [/quote]
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