Question Details

Justin, Home Buyer in

how to get good rates from a bank?

Asked by Justin, Mon Oct 1, 2007

I heard banks have special programs that would give good rates to "valued" customers. How to get hold of people that is in charge of such programs?

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Brett is correct. Credit Unions are non-profit while banks are for-profit...both are regulated by different agencies.
0 votes Thank Flag Link Mon Oct 1, 2007
Erin Stumpf…, Real Estate Pro in Sacramento, CA

Depending on the amount you want to borrow, check with a Federal Credit Union. One here in S.CA. has several programs that have lower rates than banks. Remember, Credit Unions do not have to follow the same guidelines as banks.
0 votes Thank Flag Link Mon Oct 1, 2007
Hi Justin. Banks usually have someone who is in charge of customer service. Some banks call those little angels personal bankers. Call your bank and ask to speak to someone in customer service or even better, pay a personal visit to your local branch and ask to speak to the finance department manager. If your bank has special programs they'll be happy to discuss the requirements with you. These programs are not secrets and you don't have to know the insider track to get the information. Banks still want to loan money to well qualified borrowers. Good luck.
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0 votes Thank Flag Link Mon Oct 1, 2007
Ute Ferdig -…, Real Estate Pro in New Castle, DE
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