Make the perfect choice
How it works
My Perfect Mortgage helps you understand the variety of mortgages available. Once you’re ready to start, we’ll match you to the perfect lender- We match you to a mortgage lender based on your scenario and needs
- They’ll contact you with a quick phone, text, and email for a consultation and rate quote
- If you’d like to proceed, the lender will guide you through the rest of the process
How to choose a mortgage lender
Look for experience and responsiveness in your lender. Most have very similar loan programs and rates. However, an inexperienced loan officer can cost you thousands of dollars upfront and over the life of your mortgage.
Make sure a mortgage lender asks a lot of questions, seems sincerely interested in your goals, and is responsive to questions and requests. During the loan process, you should be in almost daily contact with your lender and their team.
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How to compare loan programs and rates
Getting the right mortgage and a low rate is easier than you might think. Here are four simple steps to ensure you get the best mortgage rate available for your situation:
Learn more about usGet Your Credit Score.
There are lots of ways to find out your credit score. Many credit cards and websites will give you a free credit score and coach on how to improve your credit.
Carefully Consider Your Mortgage Loan Options.
There are more mortgage options available to you than you might think. An experienced loan officer will ask the right questions to understand your financial situation. Then they should present you with at least a couple of potential loan programs that will meet your goals.
Compare Lenders, Paying Close Attention to Loan Costs and Fees.
It’s a great idea to contact 3-4 lenders for rate and fee quotes. You might find that one lender specializes in the loan you’re looking for, and can give you a better rate than others. The only way to know is to talk to multiple companies. When comparing lenders it is essential to look at loan estimates or “LEs” which are standardized by law and allow you to compare costs line by line.
Always Get a Loan Estimate (LE)
The loan estimate (LE) is your best tool for comparing loan programs and mortgage lenders. They are standardized and very easy to read. All fees must be disclosed and within the same range at closing. If a loan officer is hesitant to give you a loan estimate before committing to move forward with them, you should find another lender.
Let’s Get Your Loan Started
Tell us about your situation and you’ll be on your way to the perfect mortgage
Get Your Rate Quote
