Your decisions about a home loan can translate into thousands of dollars over the life of your loan. Request quotes from multiple lenders and follow these tips to get the best deal on a mortgage:

• Stay confident and ask for clarification of items you do not understand.

• Ask to see different options for down payments and term of your loan.

• Interest rates are critical to you getting the lowest possible mortgage payment. The interest rate you get is based on your credit score, but know that interest rates changes on a daily basis. You have the power to decide whether to lock-in the current rate at the time you submit your loan application or take the chance that it might float down during the processing period.

• Carefully analyze disclosures and estimated costs provided by the lender.

You deserve fair rates and extremely good service from the lender who gets the opportunity to earn your business. Let me know if you need help and I can recommend a few mortgage lenders to contact.

If you have questions, or need capable and trustworthy representation, please call me at 281-704-3749.