Latest / Mortgage Research Network Podcast
Choosing a Lender: Beyond the Shiny Low Rate
That “too-good-to-be-true” rate ad? It often is. In this episode, Tim Lucas and Craig Berry share real buyer stories and a simple framework to pick the right lender—without surprise fees or last-minute chaos. You’ll learn:Lender Types, Demystified: When brokers shine (complex files), how banks/credit unions compete (relationship perks), and why direct lenders can move fasterRate vs. APR: Why APR beats headline rate for apples-to-apples comparisons—and how discount points, origination, and third-party fees change the real costLock Terms Matter: The trap of short rate-locks (e.g., 45 vs 60…
The skinny
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