If you are looking to purchase a home, your first stop should be to speak with a lender. Getting your finances in order BEFORE you begin shopping is imperative for a few reason.
- You will be able to get advice on what your credit report looks like and how you can make it better, possibly opening up access to different loan types or better rates.
- It will help you to set a shopping budget for your home purchase.
- Sellers and agents are expecting any buyers who request showings have already been pre-qualified with a lender.
There are many loan types out there and lots of lenders to choose from. Product type and rates may differ from lender to lender. Buyers should speak with a few mortgage consultants to compare products and services, kind of like when you consider purchasing a car from a dealership and they each have their own financing products to help with your purchase.
I always suggest my clients speak with Bob Tuttle and Pat O’Connor at HUNT Mortgage; not because there is some incentive for me to do so, but because I have worked with them on several occasions and they have gone above and beyond to ensure my clients’ purchases went smoothly. I have also seen them secure mortgage commitments and clear to close status in record time. They do a great job and are excellent resources for buyers, especially first-time homebuyers who have never gone through this process before.
One of the benefits of HUNT Mortgage is their 2nd Look Program. If you have been pre-qualified with a lender and would like to compare that financing with what HUNT Mortgage can provide, you should speak with Bob or Pat. They will review rate terms to see if they can do better. Fun story: Over the summer I was working with a client who ran into a snag with his financing through another lender. I directed him to speak with Pat and after doing so my client ended up with a better rate and a better loan type. He also got his mortgage commitment in 10 days!!!
Also, by having one of the HUNT Mortgage experienced consultants review your financing you will receive a $50 Gift Card! The best part – if HUNT Mortgage can’t beat the rate from the other lender you still get to keep the gift card!
So what do you have to lose? Have Bob Tuttle or Pat O’Connor at HUNT Mortgage take a look at your financing. It means $50 more in your pocket today and possibly huge savings down the road!
Bob Tuttle –
Direct: (518) 416-4431
Pat O’Connor –
Direct: (518) 312-0181
NOTE: HUNT Mortgage is an affiliate company of HUNT Real Estate ERA. You are not required or obligated to utilize HUNT Mortgage services in order to work with a HUNT Real Estate ERA Licensed Salesperson. You may opt to use any financing or lender for your home purchase. This blog is intended only to inform you of the services provided by HUNT Mortgage. Bob Tuttle and Pat O’Connor are both New York State licensed mortgage consultants servicing the Capital Region.
Erin Miller is a Licensed Real Estate Salesperson with HUNT Real Estate ERA in Clifton Park, NY. Whether you are listing your home, buying a home or both, Erin would love to speak with you about the services that she and HUNT Real Estate ERA provide to support you with your real estate adventure. Visit her website and find her on Zillow.