Mortgage Lending Questions for Newbie!?
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unisberk has it going on.
By the looks of your questions and the answers, you should be in good shape.
There is nothing wrong with shopping around, as long as you do it tactfully.
And it's not too late at all. It's just the right time, since now you've found the property.
A 620 won't get you the best rates, but it won't kill you either. I've seen much, much worse.
YSP? It's true the Lender gets it too. It's also true that it is viable source of income, verifiable in writing, and a legitamate part of the lending process.
It is not true that it is a junk fee.
You're situation is probrably best handled with a Broker. Your rates at a bank right now will not be as low as what a Broker can get you.
Good Luck, I can see you're excited.
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