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Mortgage Broker vs Bank.  WINNER is.....
 
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I created this channel to help answer all your questions when it comes to Credit Scores and the Mortgage Process: Put my 30 years of Mortgage Experience to work for you APPLY NOW https://bit.ly/2HbJ7Bu FREE CREDIT SCORE https://creditscoresandmore.com/ GET PREAPPROVED https://bit.ly/2HbJ7Bu EMAIL ME [email protected] VISIT WEBSITE http://1160mortgage.com/ RADIO SHOW PODCASTS https://themortgageupdate.podbean.com/ Mortgage Calculator https://bit.ly/30lMPhe
Views: 3980 Dan Frio
10 Questions You Should Ask Your Mortgage Broker (Ep268)
 
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What questions should I ask a mortgage broker? If you’re dealing with a mortgage broker there’s some questions that you should ask both on your first meeting with the mortgage broker and throughout working with your mortgage broker to make sure that you’re getting the best service possible. I’m going to go through 10 different questions that you can ask your broker to make sure you’re getting the loan that you need and the service that you want. The first question that I think everyone should ask a mortgage broker is a pretty straightforward one. And that’s, “How much will it cost me?” Most mortgage brokers actually work for free. So it doesn’t actually cost you anything in order to do it. They get money because they are paid by the banks when you successfully get a loan. So they get a small commission of the loan that you apply for and if you get it. So most mortgage brokers will work for free and it won’t cost you anything. However, there are some mortgage brokers out there who do require deposits or who do require you to pay. So, it’s important to ask, “How much will this cost me?” when assessing which mortgage broker you want to go with. Another question that you want to ask the mortgage broker is simply, “How much do you earn in commission from me and from my loan?” This is less to understand exactly how much they make. If you want to understand how much mortgage brokers make, I’ve done an episode on that, which you can check out at onproperty.com.au/172. And you can see what percentage of commissions they make and things like that. But it’s more to understand whether or not they’ll be willing to give you this information. A transparent mortgage broker is someone that’d be willing to give you this information and you know that they have your best interest at heart. If they skirt around this issue and they don’t tell you how much they earn. Well then that would send out red flags for me because I can’t trust them to put my best interest at heart because there are some circumstances where one loan will earn them more money than a loan that could potentially be better for me but not as good for them. So, I’m just trying to establish whether or not this mortgage broker is someone that I can trust. And by asking them the big question, the money question, “How much will you earn from me?” That’s a great way to understand whether or not you can trust them. So ask that question and see how they respond. ------------------------------------------- http://onproperty.com.au/268 - View the full transcription and audio version of this episode. http://onproperty.com.au/free - See real positive cash flow property listings
Views: 21686 On Property
5 reasons to choose a Mortgage Broker over a Bank
 
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The 5 main benefits of using a mortgage broker instead of going directly to the bank. Let Mortgage Choice in Perth find the right loan for you.
What is a Mortgage Broker? Why Use One?
 
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http://MortgagesInVancouver.com Hi everyone! How are you? It is Leah Coss with Mortgage Center, and I wanted to actually go over what the heck a mortgage broker actually is. What is the difference between a mortgage broker and an independent mortgage broker? How much mortgage brokers cost, if anything? And really, what is the difference between coming to me, as opposed to just walking into your bank? Well, let's take this from that last one. What's the difference between going to your bank, and going to me? Well, there is two main things. The first thing is obviously, if you go to the bank, you are only choosing from one set of products from one lender. There is no real competition aspect. So by going to them, you are just choosing from one set of products. By going to me, you're choosing from 40 different products. I've got a huge list of lenders, banks as well as non banks. If you are curious what non banks are check out my blog. It will tell you there the difference between non banks, banks, and private lenders. Those are the three main categories for financing. Because of that obviously, I have created two different things; one, variety and selection. There are many different products out there. If you are self employed, or if you are a new immigrant, or if you are buying a previous grow op, or if you want to buy a rental property, those are going to be four different lenders that I would send you to based on those different criteria. So, by going to your one bank, they may decline you, whereas with another lender, you would be approved in a second. So going to a mortgage broker is obviously saving you time, it's giving you variety. Now, second thing is, what about fees? Well, if you were working with a mortgage broker, and they are trying to charge you a fee by sending you to just a regular lender, a bank or a non bank, drop them, drop them, drop them, drop them. There should be no fees involved. The banks and the non banks, they pay us. Again, we're getting huge volume discounts. We're bringing them business. We are basically working like salesman for them, and so because of that they are paying us a commission. That's where you are going to need private financing. Private lenders do not pay us anything. You have to pay them a fee. You also have to pay us a fee. So, that is how that works. Other than that, it should always be free to use a mortgage broker. We work for you, not for the lenders. Now, what was the last thing? Oh! What is the difference between a mortgage broker that works in a bank, and an independent mortgage broker? Well, I'm sure after this post, I will get many letters from different banks and different mortgage brokers who work for banks, but this is how I am going to say it. People who work for a bank are not a mortgage broker. They call themselves a "Mortgage broker," but they are not. They do not have to go through the same licensing that I do. They do not have to go through the same education and schooling that I have to. They are simply a bank employee who has been shifted into the mortgage department, and is now doing mortgages. They may call themselves "Mobile mortgage brokers," or all these things, but they are not an independent mortgage broker. If you go into Scotia, and you talk to their mortgage broker, you are only going to be offered Scotia products. Where is the brokering in there? There is no brokering. If you walk into TD, and you talk to a TD mobile mortgage specialist, they are not a broker. They are only brokering TD products. Going to an independent mortgage broker is crucial. Ask the mortgage broker, "Do you work for any one bank?" If they say, "Well, yeah. I work for CIBC, or HSBC," or something, they are not a mortgage broker. They are only going to sell you those bank's products.
Views: 25068 MortgagesInVancouver
Should I go to a Broker or a Bank?
 
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Colton and Alex discuss a few of the benefits of utilizing a mortgage broker instead of a bank. For more information please visit us at: www.CalgaryMortgageGuys.com There are a lot of reasons to utilize a mortgage broker over a bank. Better customer service is just the beginning. Aside from excellent service and availability, mortgage brokers have several advantages over banks: Mortgage brokers negotiate on your behalf with an array of lenders. This way we can compete the lenders offers against each other and leverage the best possible mortgage products for you. A bank's mortgage agent is salaried, so they are paid to negotiate only on behalf of the bank. A bank employee has no incentive to look out for your best interests, and is in fact paid to negotiate solely in the best interest of the bank. Bank employees are also salaried and have little incentive to deliver quality customer service - it just isn't essential to their business model. A mortgage broker is a singular point of contact for all of your mortgage needs. You will know exactly who to contact if you have any questions about your mortgage product or it's features. Calgary Mortgage Guys are powered by Canada Mortgage Direct.
Views: 12020 Calgary Mortgage Guys
Loan Officer vs Mortgage Broker
 
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Understanding the difference between a bank Lender, Loan Officer, and a Mortgage Broker with Bay Area Realtor Phil Evans and Loan Officer Phil Caulfield.
Views: 18496 Phil Evans
How Much Does A Mortgage Broker Make? (Ep172)
 
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How much does a mortgage broker make per deal and how much do they tend to make per year? Mortgage brokers are paid on a commission basis from the banks or the lenders that supply you with your loan. So how much do mortgage brokers make? We are going to break this into two categories, firstly, how much they make per deal and secondly how much they generally make per year. Today we're talking about mortgage brokers and more specifically how much they make per deal and how much a mortgage broker tends to make per year. http://onproperty.com.au/172 - Visit the site for a full transcription and downloadable audio version of this video. ------------------------- Get More OnProperty All Over The Internet Podcast (iTunes): http://onproperty.com.au/itunes Podcast (Stitcher): http://onproperty.com.au/stitcher Instagram: http://onproperty.com.au/instagram ———————————— Want to learn the exact methods I use to find positive cash flow properties all over Australia? Sign up for the Positive CashFlow Academy today http://positivecashflowacademy.com
Views: 39401 On Property
Why Use A Mortgage Broker
 
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I'm often asked the question, why should I use a mortgage broker and not go directly to the bank? Now, there is very specific and good reason why you should seek a professional mortgage broker over dealing directly with the bank yourself. In the video above, I give you a little bit of information on why using a mortgage broker or credit adviser is better than dealing directly with a bank. http://www.nationwidefinance.com.au http://www.whyjames.com.au Australian Credit Licence Number: 386946
Views: 1457 James Tsimopoulos
The Ugly Truth: Is it Better to Work With Bank Mortgage Specialist or Mortgage Brokers
 
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What's the difference in working with mortgage brokers and bank mortgage specialists? What can bank mortgage advisors do that is better that mortgage brokers? Do people actually need to work with mortgage brokers to get better results? ---===}}}-----------------------------------------------------------{{{===--- Creating Commercial Financing videos is one way to express my passion to help Residential Mortgage Brokers diving into the Commercial Financing space. Thank you for watching and please Subscribe to the channel. I will auto publish on Youtube channel and you will automatically be notified IF you subscribe to my channel, you will get it first. Let me know if you would like me to cover a certain topic of interest. Just remember, it took me years to gain experience and knowledge to be great at what I do so do not expect to be able to do it after a few videos. Visit COMFEA.org or CommercialFinancingMastery.com for the online fast track training or weekend workshop Keywords: Commercial financing, commercial lending, commercial mortgage, mortgage broker, mortgage financing, project financing, apartment financing, MUR financing, commercial financing workshop, small business lending program, Canada Small Business Financing Program, closing, branding, marketing, hard money lending, unsecured business loan
Views: 1823 Sua Truong
Why use a Mortgage Broker
 
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I created this channel to help answer all your questions when it comes to Credit Scores and the Mortgage Process: Put my 30 years of Mortgage Experience to work for you APPLY NOW https://bit.ly/2HbJ7Bu FREE CREDIT SCORE https://creditscoresandmore.com/ GET PREAPPROVED https://bit.ly/2HbJ7Bu EMAIL ME [email protected] VISIT WEBSITE http://1160mortgage.com/ RADIO SHOW PODCASTS https://themortgageupdate.podbean.com/ Mortgage Calculator https://bit.ly/30lMPhe
Views: 71 Dan Frio
What are the differences between a real estate agent and a mortgage broker?
 
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Finding the right people to help you on the home buying journey can be challenging. In this episode, we discuss the differences between a real estate agent and a mortgage broker as well as their roles in home buying. We discuss the following questions: - Difference between a real estate agent and mortgage broker - Who would you talk to first? - Are there mortgage brokers who are also real estate agents? - Do you go with both in the same company or is it better to be separate? Prefer to read or need to take notes? See the transcripts: http://stories.brookfieldresidential.com/homebuyersschool/difference-between-a-real-estate-agent-and-a-mortgage-broker SUBSCRIBE TO THIS CHANNEL for more home buying strategies, tactics, and tips: https://goo.gl/aX7gkz Get educated on the home buying process: http://stories.brookfieldresidential.com/homebuyersschool
Views: 1812 Homebuyer's School
Why use a mortgage broker
 
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why use a mortgage broker
Views: 574 Tom Hooper
How Do Mortgage Brokers Make Money?- This Is How!
 
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http://www.onlinewithjohn.com – How Do Mortgage Brokers Make Money? How do mortgage brokers make money was a question I was asking a few years back. I ended up being a mortgage broker for about 10 years. I did really well and made great money. Once I found out how mortgage brokers make money and how much they could make I got pretty excited. Mortgage brokers make their money in 3 ways. The first way is they get paid an origination fee. This is what the borrower pays to have the loan done. Then you get a yield spread premium. This is the money the lenders pays you based on the rate. The higher the rate the more yield spread premium you make. Then you split fee with other loan originators that work for you. The more originators that work for you the more fees you get. Let me take you in a different direction. Sounds like you might be just starting your search if you’re looking for how do mortgage brokers make money . I left the mortgage business after the mortgage crisis because of all the new government restrictions. All the new testing. It became very tough. It became almost impossible to close a loan which killed my income. I was introduced to internet marketing. Everything is moving towards the internet. I realized if you could market on the internet you could sell anything. I am also partnered up with some 7 figure earners. Let me give you an alternative. Go see what I am doing with internet marketing. Just click the link above and we can talk on the other side. If you’re in transition or just starting out this could be a great move for you. It was the best thing I have ever done. I am in control. Go click the link above and we will talk soon. https://youtu.be/esBAS4wpIog
Views: 5175 John Richards
Why use a Mortgage Broker?
 
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My mortgage finance animated promo video.
Views: 730 Jessica Draws Media
Top 5 Reasons To Use A Mortgage Broker
 
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Top 5 Reasons To Use A Mortgage Broker Hi, I'm Paul from Finance 48 Today I would like to give you our top 5 reasons as to why you should use a Mortgage Broker Reason # 1 - if you go to a bank, they are only going to offer you their loan products. If you go to a Broker, they are going to offer you a range of loan products from a range of different banks. And that is where Finance 48 comes in. We've got access to over 35 lenders and 1500 loan products. So, we will get the right loan for you. Reason # 2 - Banks change their staff all the time and your Mortgage Broker will stay with you all the way. It's like having your own personal bank Reason # 3 - A good broker is experienced when it comes to a wide range of loan products out there and their committed to you for the long term Reason # 4 - If you are looking for a particular type of finance, for instance, an investment loan, seek out a Broker who specialises in that area Reason # 5 - A good broker will follow you up, stay in touch, and keep you abreast of what's happening in the market place. They work for YOU- not the banks. Making sure you are on the best loan product to suit you today. 08 9227 7233 www.finance48.com.au
Views: 61 Finance 48
Why use a Mortgage Broker Brampton
 
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http://tajwarrahman.ca/ .Mortgages Brokers Canada,Gta are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs.
Views: 6 Tajwar Rahman
$50m of sales in his 1st year as a Mortgage Broker!
 
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"We are in the business of prospecting loans, not processing loans." In his first year as a mortgage broker, Bernard Desmond is on-track to write $50m in sales. This multi award-winning broker reveals the 2 things he has built his business on that are crucial for success. Share this with a broker you know and inspire them. Login to the Real Estate Gym for the full interview: https://realestategym.com.au/ Facebook: https://business.facebook.com/tompanos.training/ Instagram: https://www.instagram.com/tom_panos/ Twitter: https://twitter.com/tompanos LinkedIn: https://www.linkedin.com/in/tompanos/ Website: https://www.tompanos.com.au/
Is It Better To Deal Directly With The Bank or With a Mortgage Broker?
 
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If you’re in a good situation with lots of savings and a good income is it better to deal directly with the bank or with a mortgage broker? Ryan: Tina’s asking, “Hi. If you’re in a good situation, e.g., lots of savings and a good income, to get a loan would it be better to deal direct with the bank or would you use a mortgage broker?” Ben: 100% a mortgage broker. Ryan: Yeah. Well, but then the thing is as well, so mortgage brokers are great because mortgage brokers can look at the entire range of the lending market, however many lenders there are these days. How many is there now? 30 or something like that? Maybe even more. They can look at all of those, they can assess your situation and what you qualify across all of those. ------------------------------------------- http://onproperty.com.au/468 - View the full transcription and audio version of this episode. http://onproperty.com.au/free - See real positive cash flow property listings
Views: 624 On Property
How I Became a Mortgage Loan Officer + Loan Officer Salary, Training, & What It's REALLY Like!
 
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How I Make Money, how I became a mortgage loan officer, mortgage lending training, and real estate industry tips from real estate agents! Study guide I used to pass the Mortgage Loan Officer Licensing test: https://amzn.to/2QFmmGu Click here to use my services and apply for a mortgage loan in the states of LA, TX, MS, and AL https://ciara.floify.com/apply Email Me: [email protected] Follow Me: http://www.instagram.com/CiaraFosterLoanOfficer https://www.facebook.com/ApproveYourLoansFast/ If you need a real estate agent in Louisiana... Get in touch with Kai: [email protected] Get in touch with Kenya: [email protected] → BECOME A HONEYBEE & SAY HI TO ME ← ✧ SUBSCRIBE: https://goo.gl/R6LhMD ✧ FOLLOW: IG: https://goo.gl/KKdQ54 FB: https://www.facebook.com/BodyBeautyBrilliant/ ✧ BUSINESS: [email protected] *FTC: Not Sponsored WHAT I USE: Camera: https://amzn.to/2C5E1U Editing: https://amzn.to/2N3GcMN TAGS #HowIMakeMoney #MortgageLoanOfficer #RealEstate #MortgageLendingTraining #WorkFromHomeJobs this video is about how i became a mortgage loan officer,real estate industry tips,how i make money,how i make money as a mortgage loan officer,how i make money 2018,a day in the like of a mortgage broker,a day in the life of a mortage broker,how i make money online,real estate agent career description,real estate,real estate investing for beginners 2018,real estate agent day in the life,work from home jobs 2018 in usa,secrets of a mortgage loan officer,mortgage lending training,2018
Views: 17534 Ciarahoneydip
Mortgage Broker and Bank Tactic! Don't Get Tricked!
 
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Mortgage Broker Tricks! Welcome to Mortgage Broker TV and be sure to SUBSCRIBE: http://bit.ly/barrfinancial to learn more insider property tips and mortgage advice. One of my BIGGEST PET HATES in this industry is mortgage brokers throwing out rates that people can have, without even knowing the person's circumstances in detail! I see this widely on the social forums when someone asks whats the best rate, then you get a pathetic contest of brokers (massively doing themselves a disservice) by throwing out random rates just in the attempt to hook them in. They have no idea at this stage if that person can even get that rate! I also see this with potential clients who call in after speaking to other firms. When someone calls in and they want to know "what's the best deal" to many of you are just throwing a bone by chucking out a rate! When in fact you should be saying, I have no idea until I learn more about your circumstances! But too many of you are afraid to say '"no"! I have two major issues with it: 1) From a professional perspective, these guys and girls have no idea what rate you can get. Until you actually speak to a client in detail, only then will you start to get an idea. But even then, you need to spend time researching with all the documents to truly know exactly what you can get. 2) The other massive issue I have; they are all trying to hook you in...don't fall for it! Another big issue I have is unnecessarily doing AIP's (agreement in principle's) sometimes also known as DIP's (decision in principle). Which can have a detrimental effect on you actually getting a mortgage if too many are done in a close period of time! To put some more understanding on what an AIP is; its the first stage of a mortgage application. But (and importantly) you can put any figure in there you want! In other words, it has minimal value if its done wrong! And the worst offenders for doing AIP's unnecessarily are not just mortgage brokers but also the banks themselves...I heard a radio advert yesterday from Barclays saying find out what you can borrow by just entering your details and doing an AIP. The brutal truth is often they are all making it sound so much easier than it is! As professionals assessing income is far more complex than you can imagine. It's highly likely what 'joe blogs' inputs themselves will be wrong or interpreted differently by the lender, The end result is what someone thinks they can get, will highly likely be very different in reality...IN OTHER WORDS, EVERYTHING CAN CHANGE! BUT THAT INITIAL HOOK WORKED! The point is simple...you don't need an AIP to work out what you can borrow. You need to put your income in front of a broker and they will tell you after they have worked out all of your income and outgoings....oh and the best part is they will look at the whole of the market, not just one lender! 9/10 cases we don't do AIP's before we submit as we take the time to understand a case. There are of course the odd case where it is prudent to do so, but it should not be the default starting point. As a Mortgage Broker, I am passionate about helping people get the best advice and this channel is dedicated to helping you with independent mortgage advice. Thank you for watching this video. I hope you subscribe and keep an eye out for future videos. Don't forget there are lots more insider tips related to property, property investment and mortgages. I would love to hear from you, so please drop me a comment and say 'Hey' ;) One of my biggest tips for anyone getting a mortgage is to quite simply use an Independent Mortgage Broker, even if it's not us. When it comes to your biggest debt it's really important to seek professional advice. Ben Parry is the owner of Barr Financial an Independent Mortgage Broker UK firm. If you would like to join him on his business journey with the ups, downs & challenges of growing and developing a business, then check out "The Daily" playlist. With a background in finance, property investment and on the job training of starting and developing two companies, he has experience and knowledge to share. His businesses include Barr Financial and an early stages Tech Startup. Keep tuned in to find out more on that one! Ben started Barr Financial in 2009 at the height of the financial crisis to offer his clients truly Independent Advice. Despite the financial crisis, he has grown the company from a one-man operation into a successful business helping clients throughout the UK. Thank you for coming to this channel, I hope you subscribe and keep an eye out for lots more to come. Find Barr Financial on: http://Facebook.com/BarrFinancial http://instagram.com/barrfinancial http://twitter.com/barrfinancial Find me on: http://Facebook.com/followbenparry http://instagram.com/followbenparry http://twitter.com/followbenparry https://itunes.apple.com/us/podcast/the-parry-podcast/id1339879976 Google Play: https://playmusic.app.goo.gl/? Pocket Casts: http://pca.st/zQv3
Views: 402 Barr Financial
Why Use A Mortgage Broker?
 
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So... why should you use a mortgage broker? Well we could write a long explanation here but it's better you watch the video. For more information please visit www.mtgarc.ca
Views: 2464 Mortgage Architects
How to get Realtors to work with you! | Mortgage Loan Officers and Mortgage Brokers WATCH THIS!
 
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How to get Realtors to work with you! | Mortgage Loan Officers and Mortgage Brokers WATCH THIS! Attention Mortgage Loan Officers! Want to know how to pick up your Purchase business? Establish solid relationships with Realtors! More and more, the requests are going from “I want to refinance…” to “I want to get Pre-Qualified…” or “I found a home and offer was accepted!...” is a clear sign that our business is leaning more and more towards a ‘Purchase Market’. With Rates on the rise and Refinance leads slowing down, we need to adapt our focus to what is in demand and right now its Purchase Loans! So you would think its easy to find a Realtor right? The idea of just buying a Realtor coffee or bringing their office a box of donuts should be enough to earn their business for life, but that is simply not the case. Let your competitors use those old tactics and let us @SalesRemastered focus on what really works! The truth is that selling to a Realtor is far different than selling to a prospect and I made a VIDEO where I go into depth on this and how to improve your approach to earn the Realtors attention and consideration as their ‘preferred lender’. In short, a Realtor is already being smothered by your competitors with Starbuck cards, Donuts, lunch offers or appointments to meet for coffee that never end up working out. How you sell to a Realtor is much like comparing how a Refinance loan is to a Purchase loan…there are much more moving parts. You have more parties to consider in the communication from Buyer / Seller Agent, your Client, Title and Escrow and Processing! Because of this, most of your competitors will shy away from doing Purchase loans and this is where your window of opportunity is! If you can learn how to make noise in a different way, the Realtors you want to hear you will hear you. But if you practice the same old school tactics of ‘I was just dropping bye and I just happen to have this box of treats with my logo ALL over each item for you….” Then you’re name, company and business card will be thrown in the drawer with ALL the other solicitors trying to trade snacks for business. Understand what advantage you can offer the Realtors, like; - CRM Technology that allows you to log in from a tablet or smartphone to produce a prequal on the spot! - Access to Niche financing that their ‘Preferred Lender’ could not do. I.e. “ call me if you have a loan that you can’t get approved, I’ve been making magic happen with quick turn times to make the American dream come true for clients….let me do the same for you…” - Research Open Houses and Broker Locations in your area and research the Agents before you approach them - Consider their BRE License number to determine if their a Veteran Agent with established relationships or if their a Newly licensed Realtor just trying to stake their claim and build their pipeline Knowing where to focus your time and what message to deliver is key to earning the trust and attention from Realtors, but when you do earn it you are setting yourself up to become a Brand within a Brand because Realtors don’t care what your lender name is they care if you can deliver and ensure their money is protected. Realtors want accountability and thoroughness to ensure they’re not wasting time with non-qualified buyers and not ruining their reputation or income by working with an inadequate source of funding. Learn how to establish a relationship with a Realtor and you’ll slowly build the credibility you need to become their ‘Preferred Lender’ - Was this Video Helpful? Subscribe Here: https://www.YouTube.com/SalesRemastered Leave me a comment, Like the Videos you like and share them with your network. I have a SOLID Sales Script for you to use, would love your feedback on it, so download a copy for FREE and let me know what you think? You can download the script for FREE here: https://www.SalesRemastered.com Be sure to download it and give yourself an 'Unfair Advantage" today! ========================== CONNECT WITH ME: ========================== Facebook: https://www.facebook.com/SalesRemastered Instagram: https://www.instagram.com/SalesRemastered Twitter: https://www.twitter.com/SalesRemastered Snapchat: https://www.snapchat.com/add/salesremasterd LinkedIn: https://www.linkedin.com/in/dnicart Website: https://www.SalesRemastered.com If you would like to Speak to Me Directly and Receive Direct One on One Mentoring for maximum impact and reward, you can reach me here: [email protected]
Views: 15711 @SalesRemastered
Mortgage Broker UK | Best First Time Buyer Mortgage #125
 
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Mortgage Broker UK Welcome to Mortgage Broker TV and be sure to SUBSCRIBE: http://bit.ly/barrfinancial to learn more about the latest First Time Buyer mortgage deals if you are looking to buy your first home and learn insider property tips. First Time Buyers UK: Welcome to Mortgage Broker TV where we share the Best First Time Buyer Mortgage Deals. As a Mortgage Broker, I am passionate about helping First Time Buyers and this channel is dedicated to helping you with independent mortgage advice. Thank you for watching this video. I hope you subscribe and keep an eye out for future Best First Time Buyers Mortgage Deals. As a mortgage broker I want to share each week the best First Time Buyer Mortgage Deals in the marketplace based on a specific scenario, but don't forget mortgage deals do change. Of course, if you have a mortgage scenario you would like us to look at, then let me know in the comments section below. Don't forget there are lots more insider tips related to property, property investment and mortgages. I would love to hear from you, so please drop me a comment and say 'Hey' ;) One of my biggest tips for anyone getting a mortgage is to quite simply use an Independent Mortgage Broker, even if it's not us. When it comes to your biggest debt it's really important to seek professional advice. Ben Parry is the owner of Barr Financial an Independent Mortgage Broker UK firm. If you would like to join him on his business journey with the ups, downs & challenges of growing and developing a business, then check out "The Daily" playlist. With a background in finance, property investment and on the job training of starting and developing two companies, he has experience and knowledge to share. His businesses include Barr Financial and an early stages Tech Startup. Keep tuned in to find out more on that one! Ben started Barr Financial in 2009 at the height of the financial crisis to offer his clients truly Independent Advice. Despite the financial crisis, he has grown the company from a one-man operation into a successful business helping clients throughout the UK. Thank you for coming to this channel, I hope you subscribe and keep an eye out for lots more to come. Find me on: Facebook page: http://Facebook.com/BarrFinancial Instagram: http://instagram.com/barrfinancial Twitter: http://twitter.com/barrfinancial
Views: 2398 Barr Financial
How To Get 2-5 Mortgage Leads Per Day - Mortgage Leads Tutorial (2019)
 
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How To Get 2-5 Mortgage Leads Per Day - Mortgage Leads Tutorial (2019) Are You An LO? Start Booking More Appointments Here 👉https://arsenalmarketing.io/partner Hi! My name is Jason Wardrop and I've now worked with over 4,000 LO's & Real Estate Agents while generating tens of thousands of leads using Facebook ads. In this video I will break down the step by step lead generation process to use to get more mortgage leads for your business. I hold nothing back and will show you the exact Facebook ad, the landing page, and email templates. A complete mortgage leads tutorial. If you like this video, be sure to subscribe to the channel and give the video a thumbs up and I would greatly appreciate that! All the best, Jason Wardrop Subscribe so you never miss another video 👉 https://goo.gl/xqijqT Start Growing Your Business Here 👉 https://bit.ly/2uWZYyG Get The FREE Facebook Ads Mini Course Here 👉https://www.yoursocialsystem.com/fb-ads Start Your Own $10k/Mo Marketing Agency Here 👉https://arsenalmarketing.io/agency Are You A Realtor? Start Booking More Appointments Here 👉https://www.yoursocialsystem.com/training Top Videos From My Channel: Facebook Pixel Tutorial 👉https://bit.ly/2P1NoYp Instagram Ads For Beginners 👉 https://bit.ly/2uYdEJS Facebook Ads For Beginners 👉 https://bit.ly/2KpC3CL Make Money With Facebook Ads 👉https://bit.ly/2Z55tsY Start A Digital Marketing Agency 👉 https://bit.ly/2GdvFue $0 - $10k/Mo Marketing Agency 👉https://bit.ly/2VDdmnE Top 3 Facebook Ads for Realtors 👉 https://bit.ly/2Uczzah Credit Cards I Recommend For Cash Back + Awesome Vacations Chase Ink Business Preferred (For Business Owners) - Get it here - https://goo.gl/FhbnbN
Views: 4526 Jason Wardrop
Why Use a Mortgage Broker?
 
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Hannah recently took out a shared ownership mortgage using a specialist broker and she's here to tell you why you should too.
Views: 408 Censeo F
Why Use a Mortgage Broker?
 
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Educational video on the value of a professional mortgage broker
Views: 12343 kimdebroux
How to Get Your Mortgage Broker License
 
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Read our full "How to Obtain a Mortgage Broker License" guide here: https://www.jwsuretybonds.com/licensing/mortgage-brokers/ Our guide provides state specific instructions for how to get licensed nationwide.
Views: 6432 JW Surety Bonds
Top 5 reasons to Use a Mortgage Broker
 
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Top 5 reasons to Use a Mortgage Broker Hi, I'm Paul from Optometry Finance Australia. Today I’d like to give you our top 5 reasons as to why you should use a Mortgage Broker Reason # 1 - if you go to a bank, they are only going to offer you their loan products. If you go to a Broker, they are going to offer you a range of loan products from a range of different banks. And that is where Finance 48 comes in. We've got access to over 35 lenders and 1500 loan products. So, we will get the right loan for you. Reason # 2 - Banks change their staff all the time and your Mortgage Broker will stay with you all the way. It's like having your own personal bank Reason # 3 - A good broker is experienced when it comes to the wide range of loan products out there and their committed to you for the long term Reason # 4 - If you are looking for a particular type of finance, for instance, an investment loan, seek out a Broker who specialises in that area Reason # 5 - A good broker will follow you up, stay in touch, and keep you abreast of what's happening in the market place. They work for YOU. Not the banks. Making sure you are on the best loan product to suit you today. 1300 678 346 www.optometryfinance.com.au
How To Pick A Mortgage Lender When Buying A House
 
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Learn how to pick a mortgage lender when buying a house. Contact me at http://www.tampa2enjoy.com/contact-us/ and Check out http://www.tampa2enjoy.com to view all homes for sale in Tampa and surrounding areas. Here's my updated video on How To Choose a Mortgage Lender: https://www.youtube.com/watch?v=NRkfgkQrwrU If you do not need financing, don’t worry about watching this video unless you want to know more information. This video covers how to buy a house and how to pick a mortgage lender to help you with your home buying process. Finding a mortgage lender is a good place to start after choosing a real estate agent to work with. Make sure to also ask your friends/family who they choose to work with and get a general idea. There are 3 types of top mortgage lenders out there: big banks, mortgage bankers, and mortgage brokers. I personally do not like big banks. If you have a special circumstance, big banks will usually tell you that you do not qualify for a loan, period. However, you may qualify for a home loan through someone else. Big banks are also limited because they are only lending their own money, and if you can’t work around it, then it won’t work for them. I highly recommend looking for local mortgage lenders, try not to use someone out of state. I’ve also worked with several credit unions in the past, and yes, while they do care about their customers, I find that they, unfortunately, provide their loan officers with insufficient training. I’m a big fan of mortgage bankers because they lend their own money but they also do the underwriting for the file in-house. Mortgage brokers have access to several lenders but you want someone who will make sure your loan deal happens because otherwise they won’t get paid until you close. When calling up for rate quotes, make sure to call all of your choices on the same day so that you can get your interest rate locked in. Interest rates change daily so make sure to get your rate quote in writing from the lender. Pick someone who is going to help you with representing your best interests. Make sure to ask the right questions; why should I choose you to work with? What makes you one of the best mortgage lenders for me? Get statistics and information on local schools in Tampa, etc... Click here: http://www.tampa2enjoy.com/area-info/school-info/ Please contact me if you have any questions or would like to set up a free consultation. If you like this video, please give it a thumbs up or give me a comment. Don't forget to "Subscribe" to my YouTube Channel. Love this? Like our page on Facebook.com/TampaRealEstateExpert Follow us on Twitter.com/tampa2enjoy Lance Mohr Mohr Realty Group at Keller Williams 813-317-4009 http://www.tampa2enjoy.com http://www.tampabayrealtypros.com *************************************************************** Find out how to choose a mortgage lender that'll perfectly suit your needs and more when buying a house... Click here: https://www.youtube.com/watch?v=95UcxFXAJ9M
Views: 32935 Lance Mohr
How To Generate Mortgage Leads Using Facebook Ads and Clickfunnels
 
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Free 14 Day Free Trial of Clickfunnels http://www.linkclicks.co/clickfunnels (use this link for the $97 and $297 clickfunnels plans) Added BONUS for signing up through my link: 1. I will give you the funnel I show you in this video 2. clickfunnels training course 3. 30 minute coaching call Let me know you signed up through my link by emailing me at: [email protected] In this video I am going to show you a Clickfunnel's Mortgage sales funnel that is converting tons of leads when running Facebook ads to it. This Particular sales funnel is targeting VA loans. I run through the simple structure of the funnel and how changing out a couple of small details of the sales funnel could have this generating leads for any Mortgage broker targeting VA loans in no time. It's starts of with a Clickfunnel's landing page that is a questionnaire. After clicking through 2 simple questions, it uses a pop box to collect their name, email and mobile phone number. The sales funnel will then take you to a thank you page where they will be notified of someone from the Mortgage Broker will be calling them to gather more information. It really is very simplistic and converts very well. Please leave any questions in the comments below or reach out to me in the email above. Please like this video and subscribe to my channel. Facebook Group: http://www.linkclicks.co/group Instagram Page: https://www.instagram.com/lindseybache/
Views: 775 Lindsey Bache
Why use a Mortgage Broker?
 
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Why should you use a Mortgage Broker? At Headstart, we analyse a panel of over 30 lenders, including the big banks, to make sure you get the home loan that's right for you, saving you time and money!
Views: 62 Headstart
MortgagesByJason - Why use a Mortgage Broker
 
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Why Use a Mortgage Broker? Get independent advice on your financial options. As independent mortgage brokers and mortgage agents, we're not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We'll start by getting to know you and your homeownership goals. We'll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what's right for you. Save time with one-stop shopping. It could take weeks for you to organize appointments with competing mortgage lenders - and we know you'd probably rather spend your time house-hunting! We work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient. We negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you. More choice means more competitive rates. We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what's being offered by credit unions, trust companies, and other sources. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price. Ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs. Get access to special deals and add-ons. Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance - so you get the perks you deserve. Things move quickly! Our job isn't done until your closing date goes smoothly. We'll help ensure your mortgage transaction takes place on time and to your satisfaction. Get expert advice. When it comes to mortgages, rates, and the housing market, we'll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently. No cost to you. There's absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder's fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer. Ongoing support and consultation. Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.
Views: 199 MortgagesByJason
Why use a mortgage broker
 
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There are many misconceptions out there when it come to using a mortgage broker. There are only a few bad eggs that may give the indusrtry a bad name. 99% of mortgage brokers really do want to help you get the best deal or help you aquire your new property. Here are 7 reasons why you should use a mortgage broker. First home buyer coaching series. Click here! http://www.premierchoicehomeloans.com.au/#!first-home-buyer-lp/c203c The advice provided in these videos are general advice only. They have been Prepared without taking into account your personal financial situation, goals or objectives. Before acting on this advice, you should seek qualified and professional advice. The information contained in this video is for Australian residents only. Premier Choice home loans and its affiliates do not guarantee the accuracy of the information. Premier Choice home loans and its affiliates disclaim any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contain within it.
Views: 95 PCHLonline
Mortgage Brokers HOW TO use the Gaddie Pitch to sell your value
 
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The Gaddie Pitch is a simple formula you can use to sell your product service or idea to ANY audience. This is a Mortgage Broker example
Why You Should Use A Mortgage Broker To Get A Home Loan Rather Than A Bank
 
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Thinking of going straight to your bank to get a home loan? Think again! Here's why you should use a mortgage broker to get a home loan instead! To learn more about the benefits of using a mortgage broker over a bank, check out this article: http://www.specialisedmortgagesolutions.com/single-post/5-reasons-to-use-a-mortgage-broker Barry Swain is a mortgage broker located in Orange NSW. With over 25 years of industry experience and access to over 25 different lenders, he can get you a great deal on your home loan! He can help with all types of loans including: Home loans Investment loans Construction loans Car and other vehicle loans Business and commercial loans First Home Buyer loans Refinancing/debt consolidation Lines of credit Personal loans Equipment finance Self-managed super fund loans Self-employed loans Give him a call today on 0412 400 712, or send him an email at [email protected]
Tips on Why use a Mortgage Broker
 
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Mortgage Brokers originate 53% of Australian Home Loans (2015). 've always thought the keys to high quality mortgage broking is communication, hard work, strong product knowledge, great professional contacts, organisation, and being available but not pushy.
Views: 216 Martin Beanland
Big Bank vs Mortgage Broker vs a Direct Lender
 
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If you aren't aware of the difference between a Mortgage Broker and a Direct Lender and a Bank, it can make a HUGE difference in how smoothly a transaction goes, including the length of time to close and costs to the buyer.
Home Loans - Mortgage Broker Versus Banks, Who Should I Use in New Caney ?
 
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Home Loans - Mortgage Broker Versus Banks, Who Should I Use in New Caney ? There are a variety of different ways to obtain a mortgage, but let's focus on 2 specific options, "mortgage brokers versus banks." There are mortgage brokers, who work as middlemen between banks/mortgage lenders and borrowers on the wholesale side to obtain financing for homeowners. And there are banks/lenders that work directly with homeowners to provide financing on the retail level. Brokers serve a valuable role in the mortgage lending arena, and can be very beneficial for both prospective homeowners and those seeking to refi a mortgage. There Are Pros and Cons to Both banks & mortgage brokers • Both can be a good choice for home buyers • But it depends on your home loan scenario • And your specific needs • consider the 2 to make sure you receive the best rate and fees. There are cons and pros to both, and occasionally you will have no choice between the two if you have bad credit or a out of the box loan scenario. The majority of homeowners turn to banks or large home lenders when it comes time to get a home loan. They are the best known choice, mainly because mortgage services are usually offered at the customer's primary banking institution. This provides for easy shopping, not to mention some degree of trust and easy engagement. In short, it's the quick answer for someone looking to submit a mortgage loan. Buyers who have trouble getting qualified for a home loan or need to mortgage tough loans will often get turned down at the established banks that don't necessarily have their focus in home mortgages. For these buyers, using a mortgage broker is often the next best option. Brokers consistently have access to many more loan options and types of mortgages than a big bank, whether it's FHA loans, VA loans, jumbo loans, a USDA loan, or simply a borrower with poor credit. If you go with a broker, you will likely end up with a more personalized loan experience, where they can provide answers to your problems, whether it's a small down payment, troubled credit history, or the desire to limit closing costs and/or alleviate mortgage insurance. You might feel a bit more included in the mortgage process versus using one of the established financial institutions out there, though not everyone desires to talk to a human being, or see them face to face. There are plenty of mortgage companies and online mortgage lenders that pride themselves on doing the mortgage remotely, via fax or even text. No phones required! Well, smartphones yes, actually dialing them no. The application processes could also be quite different. A established bank might just tell you that your fico score does not qualify, whereas a mortgage broker might explain how fico scoring works, then offer recommendations like paying down specific credit cards or student loans to make you qualify in the near future. The takeaway is that most big banks likely won't go the extra mile for you, whereas the broker might seek and find solutions if/when any roadblocks present themselves. And part of that is because a broker can turn to multiple lending partners, whereas a single bank is at the mercy of its single suite of loan programs. For someone who may need a helping hand, or simply wants more attention, perhaps a first-time home buyer, the Broker might be the better option. What About the Mortgage Rates? • Broker rates can be lower • Compare retail and wholesale mortgage rates. • To ensure you don't pay too much for your mortgage loan Of course, pricing with mortgage brokers can be just as competitive as a bank, as long as the broker doesn't take too much off the top. Wholesale rates can actually be much lower than retail interest rates you'll get with banks, meaning a better monthly mortgage payment. For example, I know a mortgage loan officer who works at a Wells Fargo retail bank branch (example of using a bank directly), and his mortgage rates are consistently higher than Big five's wholesale mortgage division. And the only way you can get their wholesale rates is through a broker. Of course, most first time home buyers will attempt to secure their home loan with their local bank or credit union before turning to a mortgage broker. Banks are generally the more trusted and familiar choice, and can provide home buyers with discounts based on a pre-established relationship. Because the bank already knows a good deal of information about the client, such as the balance of the borrower's checking and savings accounts, qualifying can be easier and may result in a lower rate. A mortgage broker will only be able to confirm such information with the borrower's cooperation, and may choose not to provide certain information to the lender. ...
Views: 124 Michael Durr
Why use a Mortgage Broker with Dan Frio
 
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I created this channel to help answer all your questions when it comes to Credit Scores and the Mortgage Process: Put my 30 years of Mortgage Experience to work for you APPLY NOW https://bit.ly/2HbJ7Bu FREE CREDIT SCORE https://creditscoresandmore.com/ GET PREAPPROVED https://bit.ly/2HbJ7Bu EMAIL ME [email protected] VISIT WEBSITE http://1160mortgage.com/ RADIO SHOW PODCASTS https://themortgageupdate.podbean.com/ Mortgage Calculator https://bit.ly/30lMPhe
Views: 56 Dan Frio
Why use a Mortgage Broker to get your home loan - Ram Venkatagiri
 
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The following is a true story. Purchaser loses 10% deposit. Purchasers losing their deposit on a property! It can happen, and in this instance it was $66,000. What do mortgage and home loan brokers do and how they compare with a bank lender? o Brokers assist with achieving some of the lowest interest rates in the market place. o Mortgage or Finance Brokers keep themselves abreast of the every changing regulatory environment, bank credit policies and lending attitudes o Brokers assist with structuring loans effectively to meet client objectives, tax effectiveness, so minimal fees are paid etc. o Brokers help facilitate timely settlement on a property so purchasers/vendors don’t pay huge penalties and costs and more importantly don’t let a purchaser lose their deposit! Visit us at http://www.Astutefinancial.com.au/Ryde or http://www.raineandhorne.com.au/blacktown Related links • How to deal with a Low Bank Valuation or a Valuation Shortfall • Astute Financial’s videos are designed to help you become more informed and more in control of your finances and your financial future. They are aimed at beginners, property investors and sophisticated clients. • In all our videos we introduce things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter (the in-depth discussions happen during a financial consultation with us where we look to enhance your financial well-being).
Views: 60 Oz RealEstate
Mortgage Broker vs Bank: who to use to find the lowest home loan rates?
 
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Listen to HashChing's partnered mortgage broker Rebecca Mitchell about why you should use a mortgage broker. Unlike a bank, mortgage brokers can offer you variety of products at rates much lower than lender advertised rates. HashChing lets you compare home loan deals pre-negotiated by brokers, getting you the lowest rates in the home loan market. Click here https://www.hashching.com.au/hashching-home-loan-deals/
Views: 268 HashChing
Why You Should Use A Mortgage Broker vs Bank
 
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Why should you use a mortgage broker instead of a bank? You'll get better rates and faster closing times. You'll also get a better customer service experience with someone who is local. At United Mortgage Plus we offer an extensive range of loan services to help assist you in what can be a very confusing process. We are focused on providing you with excellent service throughout your home refinancing or buying process, and our team of experts brings a wealth of experience and knowledge to cover the various stages in the loan process. Established in 2013. Some of the Mortgage Loan Programs we Offer are: Conventional 30 Yr. Fixed Conventional 5 Yr. ARM Jumbo 30 Yr. Fixed Jumbo 5 Yr. ARM FHA 30 Yr. Fixed FHA 5 Yr. ARM FHA Jumbo VA 30 Yr. Fixed VA 5 Yr. ARM VA Jumbo USDA 30 Yr. Fixed And many more… We also have daily mortgage rates, updated every day on our website. For more information, please visit https://www.unitedmortgageplus.com, email us at [email protected], or call us at (240) 665-0000 or visit our office at: 600 S Frederick Ave Gaithersburg, MD, 20788
Why use a Mortgage Broker
 
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Use a mortgage broker for your home financing options.
Ontario mortgage broker - Why use a mortgage agent?
 
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Reasons why to use a mortgage agent. Don't go to a bank for a mortage. I'm an ontario mortgage broker with full mortgage services in Ontario from purchase to refinance, commercial and bad credit mortgages. We beat the banks rates and approved you when no one else will! www.bestmortgagerates4u.ca
Views: 889 Amanda Cluett
REMIC Why Use A Mortgage Broker
 
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Why Use a Mortgage Broker? This great video explains the fantastic benefits of using a licensed mortgage agent or broker in Canada, because at REMIC we firmly believe that every Canadian consumer should be using a licensed mortgage broker or agent, such as John Baldassarra, as highlighted in this video.
Views: 2490 Joe White
3 tips to guarantee you get the best mortgage interest rate
 
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TITLE: 3 tips to get the best mortgage interest rate This video will show you everything you need to know about how to get the best mortgage interest rates on a mortgage and the best deal on a mortgage. When working with Banks, lenders and mortgage brokers it’s hard to know what the best deal on a mortgage is. In fact, these are the same ideas that we use in our company to help clients all over Florida get the best deal on a mortgage. They’re the main reason that I have been successful as a mortgage broker in Central Florida. We help clients all over Florida, primarily working in the Orlando are with our office in Oviedo, Florida. So how do you get the best deal on a mortgage? First you have to understand the numbers. Lenders and mortgage brokers use a Loan Estimate to show you the numbers and the only thing that they control are lender fees and the interest rate, everything else is an estimate. One way we make this easy on the client is that we do not charge lender fees, so it’s easy to analyze, zero fees. You pay no processing, underwriting, admin or application fees. Next up we have understanding the mortgage market. So many people never question a lender when they seem to be offering rates lower than ever other bank in the market. If you were buying a new car you would be extremely suspect if you found the car way cheaper than what the other dealers were selling them for. You have to take the same approach when looking at rates and be suspect for anything that seems too good to be true. The Third tip is to do your research, to get a low interest and best deal on a mortgage you need to make sure you are working with someone that you can trust. Google the name of the loan officer you are speaking with and see what other people are saying about them. Googling the bank does you now good, google the person as they are who you are going to be working with. also if you ever thought about buying an investment property in Florida, watch this video for some good info: https://www.youtube.com/watch?v=Oukxmc8FxZg Rayce Robinson 321-377-4211 nmls 322615 [email protected] https://www.zillow.com/lender-profile/Rayce%20Robinson/ www.raycerobinson.com Mid Florida Mortgage Professionals COMPANY NMLS 1587074 Note - mortgage interest rates change every day if you have a question on where rates are at just give Rayce Robinson a call from the Robinson Mortgage Team to get your quote today and see how we apply this tips to get you the best mortgage interest rate as well as the best over all deal on a mortgage. Rayce Robinson 321-377-4211 RAYCE ROBINSON (NMLS 322615) Mid Florida Mortgage Professionals, LLC Company NMLS 1587074
16 Questions to Ask Your Mortgage Broker in Australia
 
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When you’re in the market for a new mortgage, there’s much more to consider than the interest rates on offer. We spoke to the experts to help you make sure you’re getting the best possible deal! https://www.huntergalloway.com.au/mortgage-broker-brisbane The first thing you need to decide is whether you’re going to approach your lender directly or use a mortgage broker. A broker acts as the intermediary between you and your bank or lender. They will help you fill out any paperwork, negotiate the best deals on the market and be available to answer any questions you may have about your mortgage or the home loan application process. However, there’s a big difference between quality brokers who work to get you the best deal, and those who are in the game to generate quick commissions while doing the least possible work. To make sure you’re working with a seasoned pro who has your best interests at heart, we spoke to experienced mortgage broker Trent Bartels from Finance in Sydney. We asked Trent how you can go about finding the best broker to help you get the best deal, and he came up with this list of questions to help you quality your potential new mortgage broker: How much experience do you have as a mortgage broker? Why should I use a mortgage broker rather than going straight to the bank? Are you members of the Mortgage Finance Association of Australia (MFAA) or Finance Brokers Association of Australia (FBAA)? Do you have your own Credit License or are you a Credit Representative? How do you decide which loan is best suited to my personal situation? Do you charge a brokerage fee for getting my finance approved? What commissions do you get paid for writing my loan? Do you offer a range of different lenders? What impact will my credit card limits have on my borrowing capacity? What fees will I incur when taking out a home loan? What is a comparison rate? What features are included in my new loan? What information do I need to provide you to obtain my finance? What are the procedures that I need to follow in order to obtain my finance and settle my loan? Can I choose to fix my interest rate in at a later stage? If I choose to take out a fixed interest rate can I choose to lock my fixed interest rate in prior to settlement? How long will it take for you to obtain the appropriate finance for my needs? Can you explain to me what Lenders Mortgage Insurance is for? Will you process the First Home Owner’s Grant for me? If I have a default on my Credit Report will this impact on my ability to obtain a loan? How much of a deposit do I really need to obtain a loan?
Why Should You Use An Independent Mortgage Brokerage?
 
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Florida Mortgage Firm represents a multitude of lenders and is nationally ranked for volume. Company President Nate Davis explains how this financially benefits you.