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Top 5 Questions to ask your lender before having them pull your credit
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Connor MacIvor lists five questions to ask your lender before they pull your credit. Get the total cost, rate and APR on a written loan estimate. Ask about the rate lock: when, how long and what it costs. Ask which loan program fits and what could change it, the lender's track record of closing on time, and what could still derail your approval. He is a real estate agent, not a lender, and says so. He explains why the first rate quoted can change after credit review, why to include HOA and Mello-Roos in your all-in payment, and why you must tell…
The skinny
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