If you’ve ever talked with a lender or started the home loan process, you’ve probably heard the phrase “locking your rate.” It sounds simple—but it’s one of the most important decisions you’ll make during a home purchase or refinance. A rate lock can protect you from rising interest rates, but it also comes with timing…
If you’ve ever bought a home—or even thought about it—you’ve probably heard the term “mortgage lender” tossed around a lot. But what does a mortgage lender actually do? Most people know we help with loans. But that’s only part of the story. As a mortgage loan originator, my job often starts with a simple conversation….
When shopping for a home loan, it’s common to believe the lowest advertised interest rate automatically means you’re getting the best deal. After all, a smaller rate means a smaller payment, right? Not necessarily. This is one of the most common myths about mortgages—and believing it can actually cost you more in the long run….
