Are you looking to buy a house or refinance your current mortgage? If so, you need to konw the best way to get a home mortgage. Getting a mortgage or refinancing a mortgage can be very stressful if you do not know what you are doing. You can also end up with a deal that just is not good for you. Here is how to get the home mortgage deal that you deserve.
First, you need to pull your own credit report. This might cost you $20, but it will be worth it. Make sure you get your FICO score included with your credit report. Get a copy from all three credit bureaus as well. You can do this right online if you want to.
You will use this credit report to forward to all the mortgage companies you will be getting quotes from. This will keep them from knowing that you are shopping around and will save you on your credit score as well.
Next, contact 4-6 mortgage companies and two mortgage brokers. Tell them that you will forward a copy of your credit report and you do not want them pulling your credit until you decide to use them for your mortgage. If they are not ok with this, then you need to skip them and move on.
Last, take the best quote you get and forward it to all the other companies. Give them a chance to match it or beat it. After you get new quotes, you will want to forward the best one around one more time. This will ensure you get the lowest rate and the best deal you can possibly get.
Now all you have to do is choose the company with the best deal and the best customer service for your home mortgage. If you have a couple of companies that will give you the same deal, then you should go with the most honest company and the one that gave you the best service.
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