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beautyq115
New Year!
Member since 5/05 13729 total posts
Name:
Me
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Pre Approval for Mortgages.
Where did you go to get preapproved?
Where did you get your mortgage from? How did you chose the place????
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Posted 10/4/07 9:21 PM  |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Re: Pre Approval for Mortgages.
We went to our bank for our pre-approval. But the wording the woman used was a little funky when we put our offer in first and the broker wouldn't accept it. So we had a friend who is a mortgage broker do the pre-approval for us in 15 minutes and that was accepted.
We ultimately went with our bank (Bethpage Federal Credit Union) for our mortgage because not only were the rates better than anyone else's, the closing costs were $5000 cheaper!
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| Posted 10/4/07 9:27 PM |
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dbleplay17
My 2 boys!
Member since 10/06 4578 total posts
Name:
Chrissy
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Re: Pre Approval for Mortgages.
we went to bank of america.
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| Posted 10/4/07 9:35 PM |
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SweetCin
My green-eyed boy
Member since 5/05 13499 total posts
Name:
Cin
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Re: Pre Approval for Mortgages.
We used Bank of America also, but Kathleen, definitely shop around!!!
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| Posted 10/4/07 9:39 PM |
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beautyq115
New Year!
Member since 5/05 13729 total posts
Name:
Me
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Re: Pre Approval for Mortgages.
Posted by SweetCin
We used Bank of America also, but Kathleen, definitely shop around!!!
So you just go to different banks and get different rates???
I am so confused about this part of this whole process
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| Posted 10/4/07 9:47 PM |
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MrsFlatbread
Skinny jeans are in my future
Member since 6/06 10258 total posts
Name:
Baby Momma
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Re: Pre Approval for Mortgages.
We did it through our mortgage broker..less hassle...he was a friend of ours...so he did it no charge
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| Posted 10/4/07 10:33 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Pre Approval for Mortgages.
Posted by MrsFlatbread
We did it through our mortgage broker..less hassle...he was a friend of ours...so he did it no charge
us too.
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| Posted 10/4/07 10:35 PM |
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leese
Sarge!
Member since 5/05 1965 total posts
Name:
Leese
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Re: Pre Approval for Mortgages.
I really like Wells Fargo and Bank of America.
But you can also go to your local bank.
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| Posted 10/4/07 11:53 PM |
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JenandMikey
life is good =)
Member since 5/07 4216 total posts
Name:
We're so blessed!
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Re: Pre Approval for Mortgages.
we went through the real estate agent that was helping us look around at houses...it was some bank thats not even popular...the preapproval is just so the ra's and sellers know that ur serious and could get a mortgage.....once u bid and the offer is accepted start shopping around for rates and banks u trust
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| Posted 10/5/07 6:17 AM |
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PotofLuck06
Our Baby Boy Is Here!!!
Member since 11/06 13241 total posts
Name:
Betsy
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Re: Pre Approval for Mortgages.
We went with HSBC! We were very happy with them and their customer service up in Buffalo (where the mortgages were written for us) were always there to answer any questions we had!
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| Posted 10/5/07 8:05 AM |
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PotofLuck06
Our Baby Boy Is Here!!!
Member since 11/06 13241 total posts
Name:
Betsy
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Re: Pre Approval for Mortgages.
Posted by beautyq115
Posted by SweetCin
We used Bank of America also, but Kathleen, definitely shop around!!!
So you just go to different banks and get different rates???
I am so confused about this part of this whole process
Yes, you can. We shopped around 3 local banks and were happiest with HSBC.
You can try WAMU as well, along with Citibank. See who has the best interest rates and if they have any enticing deals for anyone needing a mortgage.
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| Posted 10/5/07 8:06 AM |
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Mrs-D-Girl
Love my fur baby
Member since 8/07 5183 total posts
Name:
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Re: Pre Approval for Mortgages.
My broker got it for me
I HIGHLY recommend my Mrtge Broker. Let me know if you want his info.
Message edited 10/5/2007 8:31:51 AM.
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| Posted 10/5/07 8:31 AM |
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ali120206
2 Boys
Member since 7/06 17795 total posts
Name:
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Re: Pre Approval for Mortgages.
Posted by SweetTooth
Posted by MrsFlatbread
We did it through our mortgage broker..less hassle...he was a friend of ours...so he did it no charge
us too.
Us three.
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| Posted 10/5/07 9:00 AM |
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Re: Pre Approval for Mortgages.
Posted by ali120206
Posted by SweetTooth
Posted by MrsFlatbread
We did it through our mortgage broker..less hassle...he was a friend of ours...so he did it no charge
us too.
Us three.
I also used a really great broker, and a couple of people from the boards have used him also and were very happy with him. He educated us and was not pushy. If you want his info let me know.
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| Posted 10/5/07 9:15 AM |
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Kelly9904
Mommy to 2 amazing little boys
Member since 5/05 9306 total posts
Name:
Kelly
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Re: Pre Approval for Mortgages.
Message edited 1/30/2009 10:12:16 PM.
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| Posted 10/5/07 9:19 AM |
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alnem
This is gonna be a good year!
Member since 2/06 9562 total posts
Name:
Emily
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Re: Pre Approval for Mortgages.
you can get a an approval from anybody you want...best bet is to go to the people you bank with for the letter since you already have a relationship with them.
HOWEVER, when you've found the house you want and are fully under contract thats when you shop around for the best rate. alot of people think they HAVE to stick with the person they got approved from. not true. its in your best interest to get as many rate quotes as possible, that way you can play them against each other. 
kathleen, you're a teacher right? if you're in a credit union i would suggest going to them first. CU usually offer the lowest rates. good luck!
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| Posted 10/5/07 2:46 PM |
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SweetCin
My green-eyed boy
Member since 5/05 13499 total posts
Name:
Cin
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Re: Pre Approval for Mortgages.
Posted by beautyq115
Posted by SweetCin
We used Bank of America also, but Kathleen, definitely shop around!!!
So you just go to different banks and get different rates???
I am so confused about this part of this whole process
Yes go to different banks, sit w/ them & see which gives you the best rate. BofA had a program w/ no closing costs (you pay some, but about 4k less than other banks)..but we had our own issues w/ them....as did some other girls on here
Start w/ the bank you bank w/, or like alnem suggested, your credit union.
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| Posted 10/5/07 2:52 PM |
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Re: Pre Approval for Mortgages.
We went through our mortgage broker. She shopped around for us and found the best deal.
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| Posted 10/5/07 3:04 PM |
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