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A: Why use a Connecticut Mortgage Broker?
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5. Finding Your Lender >>
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This question affects the CT mortgage rates you are quoted. To lock in a CT mortgage rate, you will first have to fill out a CT mortgage application and run a credit report with the Connecticut home loan provider. Completing this information early in the process insures that the CT mortgage provider will not adjust your CT mortgage rate in the process.
Also you want to ask if they have lock options, with the ability of lowering your CT mortgage rate during the process if rates drop.
At Acorn Home Mortgage we will advise you as to when and why you might want to lock in your CT mortgage rates. Remember, it is not possible to lock in any CT mortgage rates until an offer has been accepted on the purchase of a home.
Do you out source underwriting and processing or do you have -house underwriting and processors?
If a CT mortgage provider out sources parts of their process you will be working with more than just one company. How is the service with the other companies?
At Acorn Home Mortgage we manage the whole process for you, coordinating with the underwriters, and our in-house processors to make sure that correct documents are available for the closing date.
Do you provide a free Good Faith Estimate (GFE) on CT mortgage rates and costs
prior to my deciding to go with you?
This is crucial in making your final decision. Connecticut Mortgage Closing Costs If a CT mortgage provider is unwilling to provide a Good Faith Estimate prior to you making a decision, consider passing on them. A Good Faith Estimate is a price tag. When you go to a store to purchase an item don’t you look at the price tag prior to buying?
At Acorn Home Mortgage we will automatically provide you with a Good Faith Estimate when we ask you to sign the CT mortgage application form. We will also include a number of other documents such as the Equal Credit Opportunities Act and estimated closing costs as well as a request for us to act for you in respect to authorizing an appraisal of a home etc. All these documents will be clearly explained to you by your Acorn Home Mortgage loan representative.
Do you have a charge to lock in my CT mortgage rate?
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