Hi Gary,

Like what was already mentioned, you're never locked into a lender. I work in Roswell and have a great lender there that has been johhny-on-the-spot with my clients. All of them have loved him! Call or email me for his info.

I'm guessing you don't have an agent since if you did you would have asked them this question. I would be more than happy to assist you with your purchase. Remember...a buyers agent is a FREE service that the seller has already agreed to pay for in their listing agreement. :)

Have a wonderful day!

Jodi Smith
Atlanta Real Estate Agent
Keller Williams Realty Consultants – Roswell, Georgia
678-763-6025
jodismith@kw.com
Tweet Me: http://twitter.com/JodiRSmith
http://www.youreastcobbrealtor.com/

Gary,
You are never committed to a lender until the loan funds. The package that you recieved was just an initial RESPA disclosure package.
I would also be careful when using a realtors "choice" lender. Not to insinuate that there is widespread wrong doing but you want to keep everyone honest.
Let me know if I can help any further.

Josh Stewart
Preferred Mortgage Consultants
1-800-839-1019 ext 135

I have a lender that actually has a programmed called "lock -n- shop" which means they can actually lock a rate for 30 days prior to you having a sales contract on a home. They are the only lender I know that can do this. There is no penalty for not doing business with a lender if you don't want to. If you had a specific home and they ordered an appraisal you would be out that fee if you already paid for it and it was completed. Contact me and I can give you my lender's number. If you are already working with an agent, this is not an attempt to solicit your business. If you do not have an agency relationship with an agent I would love to help you find your next home and negotiate a sale and guide you through the entire process.

Sincerely,
David Brower, Associate Broker
Crye-Leike Realtors
678-982-9600
david@davidwbrower.com

Yes. Find a decent lender. Email me and I'll send you alist of my top 3 Lenders.

Julie Brittain
JEZEBEL Magazine “Realtor of Distinction” 2006 & 2009
Top 5 Individual Residential Agent 2007 & 2008
#1 Team 2004 - 2005, #1 Individual Agent 2001 - 2003
Keller Williams Realty First Atlanta
Mobile: 404.966.3328
E-Fax: 404.601.6024
http://www.TeamBrittain.com

If you haven't paid them anything, I can't see how you would be penalized. The only up front cost is usually for the appraisal. So, unless that has been ordered, I would think you could change lenders without worry. Obviously, I'm basing this on just the info you provided.

You should consult your agent or whomever referred you to that lender. They might be able to get your problem/concerns solved and save you the time an energy of having to start over. That's what I would do for my client.

Good luck.

Barry Wolfert, Associate Broker
Re/Max Communities
770-656-7551
barry@northatlantarealestatevoice.com