Tristan & Associates

Let me tell you a little secret that you might not know! If you walk into any bank and ask to be qualified for a loan they will usually give you the going rate or a little higher. When you go the mortgage department of any large bank, they will fight to get you the lowest rate. The mortgage department of banks can get you a better deal on the interest rate for your home than if you walk in to any bank.  

One other secret is when you go to a mortgage broker rather then a direct lender, you are running a high risk of getting charged 1% of your total loan on top of any costs the broker will charge you. When going to a large bank to get a loan that 1% is not charged and you save money up front and on your closing costs.  

If you're like most buyers, a home is the most expensive purchase you'll ever make, and you'll probably need some form of financing.

There are many lending institutions that offer a variety of mortgage products. Financing options and rates can vary widely, so it is important to do your research and shop around to ensure you get the mortgage that best meets your needs at the best price.  

I am happy to refer you to some very good mortgage contacts I have, or to help you in any other way I can to secure the best possible rate for your home purchase. Please feel free to contact Lidia at Bank of America and make sure you let them know Tristan sent you.