H.E.L.P. NOTE #1: WHAT AFFECTS YOUR RATE? 

It’s important to understand that there are many factors that influence the rate you’ll receive. Mortgage rates are the result of a credit model that takes into account your personal credit history, property, income, amount of debt, mortgage loan type, term and loan amount. These qualifying factors are: Credit, Capacity and Collateral.

H.E.L.P. NOTE #2: WATCH OUT for those teaser rates! Rates so low they almost seem to good to be true. Those mortgage rates advertised are only meant to get you. Teaser rates only last one to three months! Then your payment starts to jump up very fast putting you in a postion that your budget is stretched to its limit.

H.E.L.P. NOTE #3: NEVER pay anyone money up front. You will not get it back – no matter what you are told!

H.E.L.P. NOTE #4: DO NOT do business with a company that is not willing to talk about available interest rates before they try to pry personal information from you.

H.E.L.P. NOTE #5: ASK for a Good Faith Estimate (GFE) during your first conversation. If they are not willing to give you one or give you a "short" version they are hiding something.

H.E.L.P. NOTE #6: Be very wary of any company that guarantees you are approved even before they have all the needed information.

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