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The best option for finding the best deal on a mortgage is calling a lender directly. Lenders know their own data better than anyone. They have the insight knowledge of rates, promotions, and offers that they can provide to borrowers. If a borrower is concerned with rates and knowing when they should lock in a loan, keep an eye on the stock market. When the price of bonds go up, rates drop.

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Q: Where can you find the best mortgage deals without going through a bank?
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Going through a bank instead of a mortgage broker is the best way to get a mortgage.?

Uhm, I don't think so, For me I prefer talking to a mortgage broker than going to the bank directly . A mortgage broker can help you navigate through every stage of finding and applying for a mortgage – to get the best deal available based on your individual circumstances and needs. They have access to number of banks to get you the best deals. You might wanna check out Key Strategy Solutions.


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It is my understanding that if both are on the mortgage, you must refinance so that you are both not held liable for the balance. If still on the note the other person would not be able to qualify for another house, car, etc. without that being considered as part of their debt.


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You can try going through the FHA for a loan.


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The pitfalls of a first time mortgage customer are all directly related to the customers inability to provide a substantial amount of collateral. When going into a mortgage without collateral, quoted interest rates will be considerably higher.


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Really, the banks are going to be your main option. Your best choice would be to try negotiating with your bank for a deal.


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In some cases this is governed by state law, in other cases by the rules of the lender themselves. You would have to discuss this with your lender. In general, it would usually be better to do it through them. Certainly easier!