How do you find an good honest mortgage broker?

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This would be in NE Ohio. I tried a bank and they declined me because I don't have 3 lines of credit open, I have one and cause of that one, my debt to income ratio is 42%...only cause I have a car loan...oh yeah, that will be paid off in about a week....then I will have 0 debt ratio, but no lines of credit!! But you know, it is a bank. (Hey...they just lost out on on me banking there and getting $10,000 down payment for a house!)

So, now I need to find a mortgage broker, but I DO NOT want to go with anyone online, I want to be able to walk into an office in Ohio and speak to someone. Anyone know of any in Ashtabula County Ohio? Or at least NE Ohio?

How do you find an good honest mortgage broker?

Ask your agent for a recommendation. They know who is getting things done and who is a waste of time.

I have talked with Jeff Gillespie at ERA in Ashtabula, great Realtor.

How do you find an good honest mortgage broker?

Your best bet is to talk to family, friends and your realtor for recomendations. You should be able to get financing for sure. a 42% debt ratio is not bad and is in line with where it needs to be. Lenders to not typically count installment loans with less then 10 payments against you anyway. IF your credit scores are good you should have no problem doing zero down, but you should not have a problem at all with money down. Ohio has a decent first time homebuyer program you may want to look at as well. It may or may not fit your needs. The website is www.ohiohome.org

How do you find an good honest mortgage broker?

You might want to do your research by contacting the Organization that keeps tract and in some cases educates the profession and then check those members in the area that you are looking in.

Mortgage Brokers Association: http://www.namb.org/namb/Default.asp

Best of luck to you

How do you find an good honest mortgage broker?

email me Ceo@weloan.us zero complaints from the better business bureau www.WeLoan.us



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