It’s Not Just About The Rate!

The Best Mortgage Rate – Only One Part of the Equation

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

At Westchester Mortgage, we’re 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. Items such as your credit score have a dramatic effect on the rate a lender will offer you. So when you see a rate on the website, be aware that it may not be the rate the lender offers you. If you shop for a mortgage purely based on the rate, you’ll find a number of hidden surprises, and you may not be comparing apples to apples.

This is why we say, “It is not just about the rate.” We work with you to find the best program with the best rate for your specific situation. Some questions to ask yourself 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?

For a complete set of questions to ask when comparing rates, email us at or call 617-965-1236.