The reason your agent recommends their spouse is because if any financial issues come up, their spouse can circumvent any problems for you. That is a PLUS!!! However, if money is an issue, remember you can always tell your agent that if the mortgage broker charges 1point, you can let that agent know that you would feel more comfortable pursuing the best rate and points. If the agent insists on their spouse, tell them you would be happy to have their spouse do the loan if he pays the POINTS!

Visit this website, http://www.namb.org (National Association of Mortgage Brokers). Look for a certified mortgage professional close to your area (CMC or CRMS). Also reference http://www.lendingintegrity.org.

Find out more about your mortgage options.

Hope this helps.

If you are already pre-qualified with your credit union, feel confident that they can handle it and feel comfortable dealing with them, then you should tell your agent that you only recmmend the Credit Uniion.

There are tons of mortgage brokers on here. Pick one! LOL.

I am a mortgage broker. If I can be of service, please let me know!

Martin Smith

Precision Funding
877-238-6324 Ext 704
513-536-7184
877-238-6324 FAX
MSmith@PrecisionFundingUSA.com
http://www.PrecisionFundingUSA.com

R
you need to shop.
I suggest a couple of quotes.
Your CU is good, perhaps a direct lender like Bank of America or Wells Fargo.

I like The OCD Group http://www.ocdgroup.com
1-888-963-4623

Good luck.

You can use any lender that you like. Just make sure that they are competent. Lending/'financing issues are a problem. Perhaps have TWO lenders, one as backup....

R,

Since I believe that every person seeking home financing is unique and has his/her individual preferences, I'm never convinced that one person (your agent's referral, for example) can be right for everyone. Human (and financial) relations don't really work that way.

My advice for finding a broker is to ask several of your peers who they have used in the past and if they had a GREAT experience with that person. If you have no first-hand referral options, then perhaps next would be a banking relationship that you already trust, like your credit union.

I think you're doing yourself a great service by using Trulia too. Maybe you don't realize it yet, but by opening up and asking for help you may just identify a number of qualified people who speak your language and are interested in earning your business. Once you have several options, you can then begin to confidently compare rates and costs, which should also be very important in your choice.

I am in home financing and am happy to help, so let me know if there's any way I can be of service as you do your research. Feel free to check out my references below and call or e-mail any time.

Best regards,

Rob Spinosa
Mortgage Master Inc.
877-270-5959
rspinosa@mortgagemasterinc.com