That being said, I think my experience is more ref,lective on the reps I have dealt with than the banks themselves. My Wells rep is always on task and we close on time.
(which is a big plus in my book)
If you like I would be happy to provide you with my reps contact info. Just shoot me an email with your contact info.
Best of luck to you.
Kawain Payne, Realtor
I have my mortgage with Chase. The balance of my mortgage puts my total accounts balance with Chase over $25,000. This entitles me to premier status with all of my other accounts which means free checking services, free safe deposit box, no minimum balances, etc.
You might want to explore the offers your bank has for you. This is not necessarily the way you should pick your bank for a mortgage but it is something you could consider.
For example, the way to know what today's rates are, you can look at http://www.bankrate.com
Now, go to http://www.cashcall.com and look at their rates.
If you have problems with credit or income or whatever, then I suggest you work with a loan broker who can better serve you based on your specific issues. I have a very good one that will actually run your file to see what possible issues you will have if you were to get a loan. She's not cheap, but she's very effective and aggressive.
I would avoid big bank lenders like Wells and Chase.
They are both major established financial lending institutions with experienced personnel.
Might be a good idea to compare thier costs and rates and use that as a starting point.
Keep your emotion intact and focus on the financial benefits and expediency of the loan officer you interview. I will be happy to refer you to a good loan officer if needed. Good luck!
Chase is as good as other banks also. I 've contacts in Wells Fargo, if you need help please let me know . Your agent should be helping you on this too. We have private in house Mgt. group also, depending on the financial terms we discuss this in detail. Please contact or text me @ 949-202-6106 or e-mail me @ rrshahoc @ gmail. Com.
Hope to hear from you soon .
Harrison K. Long, Realtor and broker associate, Coldwell Banker Previews, Irvine, CA
How about the biggest credit Union in California!!! Kinecta FCU (Boeing)
Take a look at our rates, closing cost, rebates, gift, VIP membership, home insurances, CDs, car rates, credit cards, personal loans etc.
Buddy, let me tell you credit unions are in place for many reasons!!
Let me know about your needs and i will guide you.
As with any Lender, Remember if you originate the file with them you may not end up making your payments to them.
If you need a rate quote with fast friendly service I am available 7 days a week to help your loan go through quickly.
21 years lending experience
35 years Real Estate Sales experience
If you aren't working with a Realtor to find that first house, I would be happy to set down with you and see how I can best guide and help you in the process.
Thanks, its an exciting time for you. Feel free to go check out my website and take a look at some properties.
OC Homes Realty
Both banks are great, although they do take quite sometime to close in certain cases. All banks including mortgage bankers are very, very busy with refinances, and new home purchase. In my experience mortgage bankers have just as great low rates and can close very quickly. I'd call Chase, Wells, and also Tony Bolanos over at New American Funding, they have a 21 day close with super aggressive (low) rates.
Hope this helps...
P.S. New American is located in Irvine
(714) 269-8775 Mobile