The Best Mortgage Rate – It’s Only One Part of the Equation

Can I get you great rates? You bet! But will I go beyond that and show you the best mortgage program for you? Absolutely!

At Westchester Mortgage, I’m committed to providing you with the best rate based on your financial situation and personal goals. Rates change daily and could be subject to certain hidden fees, high points, and exorbitant closing costs. Other items (such as your credit score) can also have a dramatic effect on the rate a lender will offer you.

So when you see a rate on a website, be aware that it may not be the rate the lender will ultimately offer you. If you shop for a mortgage purely based on the rate alone, you’ll find a number of hidden surprises, and you may not be comparing apples to apples.

This is why I always say, “It is not just about the rate.” I work with you to find the best program with the best rate for your specific situation.

Some questions to ask when comparing rates include:

  • Lock Period

    How long is the rate good for?

  • Fees

    Does the rate include points?

  • Program

    Is the rate offered on a fixed-rate loan, an adjustable-rate loan, or something else altogether?

  • Term

    Is it a 30-year term, 20-year term, or 15-year term?

Ready to start?

Contact me now and let’s discuss your situation.