Home Buying in 12211>Question Details

Maribeth Duc…, Real Estate Pro in Albany, NY

Who has the best mortgage rates consistantly?

Asked by Maribeth Duclos, Albany, NY Wed Jan 23, 2013

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Answers

5
A broker with large mortgage company contacts. Lending tree sells your info to like 5 companies but I recommend all my clients to check with The Lenders Network. They have gotten a lot of great rates on many types of loan programs for my clients, plus you won't be overwhelmed with lenders calling you 24/7.

Good Luck!
0 votes Thank Flag Link Fri Jul 19, 2013
Careful, Maribeth. Homestead Funding is not accredited with the better business bureau like some of the local mortgage branches of the regional banks and they give you this run around when you try obtain a rate from them online:

Because web rates can be misleading, Homestead Funding prefers to evaluate each customer based on their individual circumstances and profile.

Mortgage rates fluctuate constantly based on a variety of factors.

They include changes in prime interest rate or economy, a borrower's credit score, credit history, downpayment available, collateral and income. Also different loan programs may require rate adjustments based on term, type and qualifications.

It is important to understand how your particular situation affects your interest rate. To find out please contact us by finding a loan originator, pre-qualifying today, or calling one of our branch offices.
0 votes Thank Flag Link Sun Jan 27, 2013
Dear Maribeth,
Another Homestead Funding recommendation.
Homestead has the largest market share in the Capital Region due to their consistently competitive rates & excellent customer service.
They also make our job easier with specialists for specific mortgage products such as VA, USDA, etc.
I have worked with Mike Siciliano, Licensed Senior Loan Originator http://(www.HomesteadFunding.com/MSiciliano MSiciliano@HomesteadFunding.com C-518-365-5031) for 7 years with excellent results & he doesn't work "bankers hours".
Sincerely,
Ed Barber
0 votes Thank Flag Link Thu Jan 24, 2013
Hi Maribeth,
Alex is correct. I'd shop around a bit, and compare again what a mortgage banker can do for you. Mortgage bankers I find to be the best of both worlds as they act as a advisor and 'loan officer' for you; however, they also have relationships with many lenders and will shop among them to get you the best rate they possibly can. Whats best is they dont charge for their services in the manner a mortgage broker would. Homestead Funding is great. Daniela Bigalli there has helped many of my clients: 518-373-0814 x 14. Best of luck in your search. If I can be of any assistance with any other questions or your home search, please feel free to contact me at any time.
Best Regards,

Corey Landy
Licensed Sales Agent
Empire Real Estate Management, LLC
albanynyrealestate@gmail.com
(518) 250-9339 mobile
(518) 320-8584 fax

specializing in:

Residential & Investment Sales
Purchaser Representation

coreylandy.com
0 votes Thank Flag Link Wed Jan 23, 2013
Maribeth, you should really shop around for the best mortgage rates, but sometimes a mortgage broker will be able to get the best rates. Many of my clients have used Doug Seder at Homestead Funding. Here is Doug's information. http://www.homesteadfunding.com/agents/dseder

Best,

Alexander

Alexander H. Monticello, Esq.
Principal Broker &
Licensed Attorney
T: 518.227.0718
F: 518.223.8001
http://www.MonticelloNYS.com
0 votes Thank Flag Link Wed Jan 23, 2013
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