9/02/2004

Rates drop dramatically

Just when we've been hearing they've gone up, they're down. While local rates don't match Bankrate's report exactly, the dip is there. Check with your financial officer for local information. And did you every wonder why internet-based companies seem to offer such a good deal? Look further, loans involve more than a rate, they involve service, experience and knowledge, fees (no, they aren't all the same), and closing on time on that date you negotiated and contracted with the seller. Perhaps you had a successful experience with a refinance with such a company, but keep in mind that a new purchase loan requires far more extensive ability, teamwork and know-how. You may get your best loan with a full-service independant broker who discloses all fees up front. It's a good idea to compare loan scenarios. See this for the article on Rates dropping dramatically.

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