It’s a good question. And how will you know? If you’re ready to purchase a property, or refinance a property, where do you turn?
As we’ve always said, start with someone you can trust. In the mortgage world, that turns out to be a mortgage broker, because this is someone who doesn’t have any financial interest in steering you anywhere but in the right direction for you. Someone recently asked, “Who are the best mortgage lenders?” and the reality is, it depends. It depends on who you are and what you want. It depends on many factors, and only a mortgage specialist can find just the right lender for you.
You can of course do your own homework ahead of time. That’s never a bad thing: educated consumers are the best consumers. You can start with the basics: Google: “compare mortgage rates,” and see what you come up with. Getting some of the numbers in your head is a decent place to start.
You can even check out the best online mortgage companies, the best online mortgage lenders, the best-rated mortgage companies—some people feel more comfortable knowing about the various lenders before they start their search.
But the reality is that even prepared with all that information, your best bet is going with a top-rated mortgage broker. Don’t forget: this is our life. This is what we do. We don’t just stay on top of the trends or watch the numbers: anyone can do that. Mortgage brokers and mortgage specialists know every piece of every mortgage product available. We know how to analyze your specific particular situation and match you with the perfect mortgage for you—something you’ll never be able to find on your own.
And we know the area you’re in. Let’s face it, a Boca Raton mortgage broker is far more familiar with the properties, the market quirks, and the possibilities for Boca Raton than is someone who’s just arrived in Florida and really knew the Minnesota mortgage market! They say to eat local food, that it’s the healthiest. We’d add: work with a local mortgage broker: it will be best for your financial health!
If you just want to check out the current best interest rates for refinancing, for example, go ahead and compare the numbers online. But if you’re serious about getting a mortgage or a refinance that is in your best possible interests for your specific situation, then when you’ve finished with your comparisons, go to someone who really knows how to comparison shop for you: your trusted mortgage broker or specialist.
We know you’ll be glad you did!