"The Easiest Way to Buy or
Sell a Home or Get a Home Loan in Klamath Falls" Information
provided by Town & Country Realty & United Mortgage Corporation of
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The 18 Vital Questions To Ask
Before You
Sign ANYTHING! The 13
Vital Questions To Ask Your RealtorOr The 5 Vital Questions To Ask Your
Lender
Warning! Do Not Sign Any Documents Before You Read This
Report
You are
making some substantial commitments when you sign your
name to loan documents or real estate disclosure forms.
Some documents are simply giving you information, while
other documents are obligating you to work with that
specific Realtor or lender, no matter what! You could end
up obligated to someone you do not trust!
Now you
can learn what questions to ask before you sign anything
in a free report titled, The 20 Vital Questions To Ask
Before You Sign ANYTHING!! The information in this report
will allow you to take charge of your real estate
transaction by learning about the programs and practices
of the businesses (Realtors and lenders) that want your
business.
Discover
the questions that some Realtors and lenders hope you
NEVER ASK!
Five Questions To Ask Your Lender – Before You Sign Anything!
1. Do you have a variety of loan programs to fit my cash flow and
expected length of ownership needs?
Yes, I have access to 285 lenders and way too many loans programs if you want
my personal opinion, but that ensures that we have several different loan
programs to ensure your specific needs.
2. Do you offer pre-approvals, not just pre-qualifications?
Actually, I rarely do pre-qualifications as they are not worth the paper they
are printed on. I want my Clients to be approved (it is like money in the bank)
so that all we have to do is get the property approved. Transactions go smoother
and have less hurdles to go over and you are able to make lower than list price
offers and get them accepted if the Seller knows you are approved....
3. Do you have the ability to handle difficult credit history?
Yes, although you need to understand that this makes the process a little
longer and the need for your approval all the more necessary. The first thing we
need to do is run your credit report to find out what your Credit Score is. The
Lending Institution is 100% Credit Score Driven and I can explain this more in
detail for you.
4. Is the rate that you quoted me the rate I will get at closing?
When you are approved - we will lock in your interest rate so the rate quoted
is the rate you will get at closing. Now you will receive a Truth and Lending
Disclosure that will not match your interest rate- remember that this is a
Government Form and the Government thinks that some of your closing costs should
be added to your interest rate and then expensed over your 30 year loan term.
This form is required by law to be signed, but your interest rate is not this
interest rate. In fact, most of my Buyers have the Seller pay 3% to 6% of sales
price to their Closing Costs so then this form really does not apply, but we
still have to have it signed.
Until we verify all of your information and then submit your file to a lender
and receive a list of information he will want to see and we will need to
provide him with that information as soon as possible. We may have to write some
weird letters and provide Bankruptcy, Divorce Papers or other information that
is sensitive- but if they require it, we have to do it or not get the loan. It
is basically that simple. Now you may feel uncomfortable in this process
especially when we write some weird letters that may not be 100% truthful, but
remember we need to satisfy his requirements that are placed on him by his Boss,
etc.
5. Can you give me a list of your last three clients as references with
their phone numbers?
I would be happy to and I will try and match you with like individuals (i.e.;
first time buyers, investors, second time home buyers, refinances: cash out
& no-cash out). All of my Clients know that they are becoming advocates for
my business in order to receive my knowledge of real estate and lending.
