Sure Gregorio here is my answer.
An internet quote to me is the general one size fits all quote you see all too often. I asked the client to contact me to get his credit score, type of home, location and timeframe for settlement. All items needed to give an honest, fair rate quote that can actually be delivered. No promises of a 15 day close or massive point buydown as you see online many times.
That's the difference. I don't throw rates out online as they change everyday and are different for everyone.
That to me is the differerence between what I am willing to provide and an "internet quote."
Thanks for the question.
Senior Loan Officer
1ST Mariner Mortgage
Lending in all 50 states