How To Get The Best Home Loan (and not get screwed)

In this video, Chandler shows you how to negotiate with loan officers so you get the best rates and terms on your home loan!

Chandler David Smith has been investing in real estate for the last eight years. He currently owns 114 units of rental real estate and a 73 unit storage complex. He has done dozens of personal loans can’t helped hundreds of people go through this process. In this video, Chandler shows you all of the secrets required to negotiate with different lenders. He explains the process requires to get the best interest rates, closing costs, and other terms on your home loan or investment property loan. If you’re trying to get a home loan or a loan for an investment property this video will ensure that you get the best deal possible without getting taken advantage of.

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[Gythawen]

From my understanding, multiple credit pulls do not have a score hit beyond the first one within 30 days. I recently purchased a couple properties and during lender shopping I had my credit pulled by a dozen banks, my score went down 3-5 points total. I don't think this is really something to worry about, especially if you end up getting the loan, it will more than make up for the slight hit.

[ltay]

Are you saying that non-taxable retirement income or disability payments cannot be included as income when qualifying?

[CaseyBurnsInvesting]

Shop those rates folks. When banks compete, you win.

[sickmansgas]

Where’s the video about negotiating with the seller?

[shawnschondra]

I wish I could sit in on the process just to watch it all

[muhammadickhsanmufthi]

badass advice from a badass man.
However, does this still apply in today's market now that the mortgage is rising?

[nelsonluciano]

Hey, thank you for all the amazing videos! Could you talk about a construction loan and how all the process works? If it's better to buy the land first or no, buy a wooden lot or the different options. I would truly appreciate it!!

[cascadinggainz]

i love that last tip i wish i did that when i bought my house. :/ but my next house or 4 plex i will definitely be using this. you definitely earned this like buttom.

[Keyumiz]

So just to clarify if I lock in a rate with one lender, I can still go with a different lender instead if I choose?

[merandaseeber]

❤I do badly want to be a home owner, I do not exactly understand everything you said but I'm hoping that I can❤

[GusPluss]

do credit unions do loans for 5+ units multifamily commercial real estate?

[evangonzales]

how can you tell them your credit score w out them running it ? i mean i would think they want t to verify it themselves instead of going off your word

[KensingtonPhiladelphia]

I have no income, but a 750 credit score. Is there any way to get a loan on a rental?

[lovecodwaw]

You can also get you 3 credit reports for free once a yr from the goverment. Dosent hurt your credit or anything. (Atleast for the first pull thats free)

[callmeosho]

You know this video is dated when you hear 3.2% interest rate.

[CryptoBlick]

Great points Chandler! I just told my Dad to shop around for his rates this past weekend because of the numbers his local bank was quoting him.

[rlanderson]

Multiple pulls don't impact your score any more than the first. If you're gonna have one pull, might as well have them all do it so long as you're gonna move forward in the 45 day window.

[MattTheMortgageGuy]

One of my favorite pieces of advice:
“Search long and hard for the very best price, you’ll find the biggest liar.”

Essentially buyer beware if you are only focused on price/rate and don’t do any research on the quality/reputation of the lender you’ll be gambling.

Cheers!

[joshengen]

I like the video but it's not quite as easy as you make it sound if you're getting a conventional loan. Cause you can't lock the rate until they do their initial approval and by then one if the other banks you were looking into may have a better rate. The other thing is closing costs differ as well so that should be taken into account.

[kimprince]

Good content Chandler, I wish it truly works like this with most banks but it doesn't. Most of them tells u we can't move forward until we pull credit or submit application & we'll get back to you bcos they're overwhelmed with workload. Thanks for your motivational posts & insights.