Home Buying in 89123>Question Details

Loren Zirbel,  in Las Vegas, NV

Question about interest rates posted on bankrate.com.

Asked by Loren Zirbel, Las Vegas, NV Wed Sep 26, 2012

When I go to bankrate.com and see for example the 30-year mortgage rate is 3.45% why do banks never say I can get that rate? It's always a higher rate. Are there banks that will actually give you the 3.45 % rate?

Help the community by answering this question:


Call Marcel Giron with the Mortgage Market at 1-702-286-2457 Tell him Robert Adams referred you and he will take good care of you. He is very knowledgable and honest.

I hope this helps.

Best Regards,
Robert Adams
The Adams Team at
Rothwell Gornt Companies
1 vote Thank Flag Link Wed Oct 31, 2012
It is essential for you to start research for a mortgage broker that can explore all your financing options. Mortgage broker have access to many banks, private lenders and diferrent programs. Base on your credit history, employment history and income to debt ratio will define the mortgage rate that you will get.

Best of Luck,

Maria Cipollone
Century 21 Tenace

1 vote Thank Flag Link Tue Oct 23, 2012
Hi Loren

I woulld reccomend that you talk to Mortage Broker, Call Barbara Estes @ WJ Bradley Sr Loan Consulatant. Ph: 702-281-022 Email:barbara.estes@wjbradley.com

If I can be of further assistance and answer
Any of your other questions please contact me

Jimmy Balsano
Realty One Group
Fax 1-866-371-8421
Email: jimbalsano@gmail.com

http://www.salestraq.com/las_vegas/newhomesearch/index.cfm?id=4780(New homes)
0 votes Thank Flag Link Thu Sep 27, 2012
Good morning Loren,

Interest rates posted on the internet or in your local newspaper or in a TV/Radio ad are just advertising. Typically a Lender posts the most favorable interest rate available ONLY to the most favorably qualified Borrowers to attract a potential client like you to pick up the phone and make contact. Once you've established contact the bright salesperson on the other end of the line (Loan Officer) will attempt to create a relationship with you to lock you into doing business with that Lender. It's ONLY ADVERTISING.

Besides, no one can determine an interest rate without first reviewing your Income, Assets, and Credit to determine which loan programs you will qualify for. Different programs have different interest rates.

Get a referral to a great Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.

Trevor Curran
NMLS #40140
0 votes Thank Flag Link Thu Sep 27, 2012
Call me in the morning. I will put you with two of the best lenders in Vegas. Matt - 702-501-0973 If you need two great agents and/or property management company let me know.

Matthew D’Ercole
One Source Realty and Management
Cell - 702.501.0973
Website - http://matthewsellslasvegas.las.mlxchange.com
0 votes Thank Flag Link Wed Sep 26, 2012

You must contact the bank directly and read the fine print. Sometimes its for a limited time, i.e. the first twelve months. Also, in some cases it is based on a minimum credit score.


Nakia Woodson
Wardley Real Estate
0 votes Thank Flag Link Wed Sep 26, 2012
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2016 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer