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Home / Blog / Mortgage Rates / How to Get the Best Mortgage Rate

How to Get the Best Mortgage Rate

June 30, 2014 By Mary Catchur

Mortgage Rates
Mortgage Rates.

Everyone wants the lowest possible mortgage rate to save money. But, what can you do to get the best rate?

Use a Mortgage Broker

A mortgage broker acts as an intermediary between you and the lending institution. A broker’s principal job is to find a bank or a direct lender for your home loan.

A mortgage broker works for you, not for a single lending institution with mortgage products offered only by their company. Mortgage brokers scour hundreds of lending sources to find the best possible mortgage product for you.

Additionally, a mortgage broker may charge less for the same service as a retail lender, since they do not have the high overhead costs. But most of all, a mortgage broker is the person watching out for your best interests, and working to get the best possible loan at the best rate.

At Marimark Mortgage, our service is not just about finding a lender and filling out paperwork. Our job is to get to know you and your needs, discover what can be done to get the best mortgage rate, then work to get the best possible mortgage and the best possible rate for your individual purposes.

Decisions Borrowers Must Make

The process of applying, qualifying, and closing a mortgage is complex. There are numerous rules and legalities involved, making it impractical for the general public to know and understand all the pitfalls that could cost thousands of dollars every year resulting from uninformed decision making.

Here are just a few of the important decisions we help our clients make, which can either save or cost them money every month on their mortgage:

  • What is the borrower’s credit score? Can practical changes be made to improve the credit score and thereby lower the monthly mortgage payment?
  • What type of mortgage is best? What are the pros and cons of each, based on specific circumstances and future plans?
  • What mortgage term is best?
  • Under what conditions could the borrower qualify for a mortgage with a lower rate and/or lower costs?

A mortgage broker can help you save thousands every year by making informed decisions. And better yet, it typically doesn’t cost any more to use a mortgage broker compared to a retail lender.

Marimark Mortgage

One of the best things about our job as a mortgage broker is providing value-added services that typically cost clients no more than going direct to a retail lender.

We have the great pleasure of seeing clients succeed and achieve their goals, knowing we’ve helped them make informed decisions that will save them money every month for years to come.

When you’re ready to start the process of buying a home or refinancing your existing mortgage, we would appreciate the opportunity to help you reach your goals. Your success is our success.

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The Marimark Mortgage Newsletter will keep you informed with important events in the mortgage industry that could impact your finances.

We especially focus on ways to save money on your current and future mortgages. And, we continually share the information we share with our clients, because we believe informed consumers are the best consumers.

Real estate agents, and other professionals in the industry, will receive an ongoing wealth of information that will help them serve their clients.

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Filed Under: Mortgage Rates Tagged With: Mortgage, mortgage rates

Opinions, estimates, forecasts and other views contained in this page do not necessarily represent the views of Marimark Mortgage or its management and should not be construed as an offer to provide financing at the rates or terms mentioned. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval. Although Marimark Mortgage attempts to provide reliable, useful information, it does not guarantee that the information is accurate, current or suitable for any particular purpose. Information from this page may be used with proper attribution.

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    Refinancing with Mary an absolute pleasure

     
    Refinancing with Mary has been an absolute pleasure. I have never been through the process before and she took the time to explain each step. She was prompt (had a rate locked in right away) and most importantly always answered the phone or emails almost immediately! The communication line alone made the refinancing process every bit worth it. Would recommend to anyone, and will be back for any future purchases! Bret Brennan, March 2021
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