We are “The First Step to a Pre-Approval” to purchase a home or refinance your home.
Our goal is to provide a more personal approach so you don’t feel like a number, but a more customized approach.
Why Do You Need A Mortgage Quote?
Start the home buying process:
A mortgage quote is often the starting point of the home buying process. It gives you a sense of direction and helps you determine your budget, allowing you to move forward with searching for properties and making offers with confidence.
Avoid unnecessary credit checks:
When you get a mortgage quote, it typically doesn’t involve a credit inquiry so it doesn't impact your credit score. We even have an option for a soft credit inquiry as this allows you to explore your options without a hard credit inquiry. However, per the Consumer Financial Protection Bureau “You can shop around for a mortgage and it will not hurt your credit. Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry.”
Understand your borrowing capacity:
Getting a mortgage quote helps you understand how much money you can borrow from a lender based on your financial situation. It gives you a clearer idea of your borrowing capacity and helps you set realistic expectations when searching for a home.
Compare different lenders:
Mortgagequote.com has access to top wholesale lenders that compete for our business so you don't have to. We shop around for you and compare offers from top lender(s). We can compare interest rates, loan terms, and fees, enabling you to find a mortgage option that hopefully suits your needs and potentially save you money in the long run.
Budget and plan accordingly:
A mortgage quote helps you budget and plan your finances effectively. By knowing the estimated monthly payment, you can assess whether you can comfortably afford the mortgage. It allows you to adjust your budget and make informed decisions regarding your housing expenses.
Identify additional costs:
Mortgage quotes often include estimates for additional costs such as closing costs, insurance premiums, and other fees. Understanding these additional costs upfront helps you plan your finances accordingly and avoid any surprises during the home buying process.
Avoid overpaying:
Without obtaining a mortgage quote, you may end up overpaying for your loan. Different lenders, banks and brokers have different rates and fees, if you feel you got the best deal, then contact us to compare, you could be missing out on potential savings.
Plan for future financial goals:
A mortgage quote helps you plan for future financial goals and commitments. By understanding your monthly mortgage payment, you can assess how it aligns with your long-term financial objectives, such as saving for retirement, education expenses, or other investments.
Gain confidence and peace of mind:
Obtaining a mortgage quote provides peace of mind by giving you a clear understanding of the mortgage terms and costs. It allows you to make informed decisions and proceed with confidence, knowing that you have explored your options and chosen the prudent mortgage option for your needs.
We are a mortgage brokerage firm for residential mortgages and commercial loans. Keep up to date with our mortgage education articles in personal finance, real estate and technology.
We provide guidance through the home purchase or refinancing of a mortgage loan process.
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