How to find the best mortgage rates | advice from a mortgage broker

In this video find out how to find the best mortgage rates. As a mortgage broker, I get to interact with consumers on a daily basis and know from experience they are trying to figure out how to get the best deal on their mortgage. Getting the best mortgage rate is part of the equation but consumers also need to be aware of how to get the best loan. Some loans are very expensive and some loans serve a client's needs and goals better than others. Bunch of very interesting marketing tactics out there so I hope this video helps you navigate them,

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[sonderevokingbuns]

Literally every time I've done the math on paying for points, investing the money at a 7% return always yields a higher profit. Every single time.

[zoewimmers]

Great video Matt you did a great job explaining the best ways!

[TalkwithDennis]

What you said in the beginning is what this lender wanted to do to me. They offered me a rate with a cash out value and I accepted it only to give me a different figure a day prior to closing. According to them they miscalculated the appraisal value so they had to reduce my cash out by 4K, I told them I was no longer interested in their offer through text message. After few hours they came back with the exact amount and wanted me to close on the same day but I told them the next day. Finally I closed on my refinance. But I learned a lesson.

[BanjoFret]

I’m literally awake at 1 am tired as a rock who doesn’t even have to worry about this yet, why am I here help me

[larryn]

Common sense advice and love the poster in the background.

[jenniferbranstad]

This is great information, thank you!

[tabtab]

Can one negotiate on rates and/or shop for best rates AFTER Loan disclosure?

[victorianilsen]

Do you have a reference for sc refi?
I got a quote 15y fixed 2.5...yesterday..but lost my page in refreshing page

[namastayhere]

My husband wants to go with rocket mortgage. They will pay down a point and automatically refinance once the rate goes down. I think we should go with our mortgage loan officer we initially wanted to work with to get al our options on the table. We're first home buyers.

[sorabhutube]

Points do make sense in this scenario right ?

Scenario1
Points 2135
Rate 2.99
Montly premium and interest - 2168

Scenario 2
Points 6433
Rate 2.35
Montly premium and interest - 2001

If i pay 4296 more in points in scenario2 which is $12 per month over the life of the loan [ 4296/(30×12)]. And get to pay 167 less per month in Principal and Interest ( 2168 - 2001 ).

Ie effectively 155 dollars per month cheaper in scenario 2 ( 167-12 = 155 ). Scenario 2 is still better choice right despite paying more points ?
** first time buyer learning the ropes to apply for a mortgage.

[carsonc]

What if a person got quotes that didn't include points? Then you could do an apples to apples comparison.

[shawn]

2.75% with 15k in credits for a va purchase. What's the going rate with no points on a va?

[sam]

Can we negotiate on the rate for about .5 points lower without paying the point?

[sorabhutube]

Love your videos and the pictures in the back.. I am not in CA .. how can I get access to legit brokers like you who are knowledgeable

[louisia]

Do you recommend a lender to refi in Texas?

[monikaleszko]

If you have amazing credit …you shouldn’t worry about the rates as much right ? 😳
Please explain Matt lol

[kyled]

Can you review my fee sheets from two different brokerage?

[KevinBrown-fnsn]

I don't really understand what points are

[naysanazadilived]

My loan officer told me my rate going to be somewhere around 5% for Morgage loan 😩

[RicardoHernandez-zrpw]

What is paying a point? I don’t get it.