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While the rate is an important component of a mortgage, it is not the most important thing you should focus on. As mortgage professionals, our job is to determine what is the best mortgage for your individual needs that provides a great rate but most importantly the best terms and conditions. It is important that you discuss with your loan agent what your plans are(is having the most amount of cash left after the transaction the most important to you? will paying back your loan in the first 1-3 years a possible scenario?..).

When considering a loan make sure you ask the following:

-Am I going to pay any points?

-Do I have a pre-payment penalty?

​-Will I have to pay monthly mortgage insurance?

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