Atlanta Mortgages & Home Loans

Mortgage Atlanta or Atlanta Mortgage. Chances are you just typed one of those terms into a search engine and have landed here because you are searching for a mortgage in the Atlanta area. My name is Chris Bradshaw, President, of Informed Mortgage, Inc. and I would like to give you some honest information about the Atlanta mortgage market. The mortgage industry spends millions of dollars in advertising, usually promoting low rates or great service. But, what is it that the Atlanta mortgage customer really wants? Recent surveys say honesty. I think that the Atlanta mortgage customer deserves that honesty.

Whether you are looking for an Atlanta mortgage for a purchase or for a refinance, you should receive the following from your Atlanta mortgage lender or broker:

Rate locks. When a mortgage rate is locked, the borrower should be provided written confirmation that the rate has really been locked.
Closing cost guarantee. All lenders and brokers should be able to guarantee all first party costs. If your Atlanta mortgage lender or broker can not or will not guarantee their own fees, go somewhere else. There should also be a guarantee on all third party fees, such as the appraisal and credit report that there will be no mark up by the lender or that any mark up is disclosed.

ATLANTA MORTGAGE SHOPPING

Select an Atlanta mortgage lender based on rate, points and a guaranteed total of lender fees specified in dollars. Make sure that all three of these points are covered in your discussions about your mortgage. Take any one of these three out of the mix and you have left yourself open to be charged more than what you might have to otherwise pay.

WHO DO YOU TRUST?

I’ve tried to give just the very basic and most important aspects of what to look for when shopping for an Atlanta Mortgage. Almost every loan officer, mortgage lender, and mortgage broker with whom you speak will directly or indirectly try to convince you that they are trustworthy. There is just one big problem with this. Many Atlanta mortgage personnel are trustworthy and reliable, but others have a financial incentive to charge you as much as possible. The solution? A program called the Upfront Mortgage Broker. Professor Jack Guttentag of the Wharton School of Business, and otherwise known as the “Mortgage Professor,” has put this group together to keep your money in your pocket. Read the Upfront Mortgage Broker Commitment. Informed Mortgage is a proud member of the Upfront Mortgage Broker network and is in fact, one of only three out of more than 20,000 mortgage brokers in Georgia who operate under this set of guidelines.

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