Most mortgage sites will show you the absolute lowest rate possible for the perfect borrower to reel you in, and let’s talk, most situations are not perfect.

Rates depend on a lot of variables: How much of a down payment you have, whether your mortgage will be insured, what your credit score is, how much you are borrowing and for how long, and how severe a payout penalty you’re willing to risk. These are just a few of the multitude of variables that make up your final rate.

Mortgages and rates can feel like you are navigating a maze and right when you think you have a route figured out, you hit a wall. Instead of trying to navigate that alone or starting down a path that worked for someone else but may not work for you, let’s talk so we can determine what your particular situation is and what your rate might look like. Essentially let me work with you to help draw the map for the best path out the other side! I’d much rather guide you to a path that works for you and your situation than publish a rate you’d be disappointed if it wasn’t available to you.  It takes a conversation with an industry professional to explain the pros and cons of any rate being offered. Call or email me today so we can discuss your personal situation and find the best solution for your unique needs.