Susan Layher, Ph.D
My Listings
Useful Info
Local Info
A Plus Realty
383 Hans Way
San Jose, CA 95133
(408) 937-4088 Direct
(408) 937-4935 Fax
susan@a-plus-realty.com
Loan Advice
Different
Types of Lenders
Mortgage
Bankers
Mortgage
Brokers
Wholesale
Lenders
Portfolio
Lenders
Direct Lenders
Correspondents
Banks
Savings &
Loans
Credit Unions
Advantages of Different Types of Lenders
What kind of Lender is Best?
Portfolio
Lenders
Banks and
Savings & Loans
Mortgage
Bankers
Mortgage
Brokers
Wholesale
Lenders
When Realtors or Builders Recommend a Lender
Things You Need When You Apply for a Home Loan
"Alternate"
Documentation versus Full Traditional Documentation
The Actual List
of things you need to get a quick loan approval
Closing Costs When Buying or Refinancing a Home
Introduction
Lender
Associated Costs - the "normal" ones
Lender
Associated Costs - the "other" ones
Items
Paid in Advance
Impounds
or Reserves
Costs not
Associated with the Lender
Refinancing Associated Costs
Asking
the Seller to Pay Closing Costs - Advice and Rules
Mortgage Interest Rates - How it Works
A Loan Officer's
Rate Sheet
Pricing the Loan
Quoting Rates to You
Locking in Your
Rate
Shopping for
Rates
Getting Reliable Quotes