{ "media_type": "text", "post_content": "Does anyone have recommendations for a mortgage company? Looking at a 30 year mortgage preferably with as low of an interest rate as I can get.", "post_id": "5fe7505fd5cf8300209c2c01", "reply_count": 8, "vote_count": 1, "bowl_id": "5a5242b78e26290018502ca0", "bowl_name": "The Real Estate Bowl", "feed_type": "bowl" }
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Does anyone have recommendations for a mortgage company? Looking at a 30 year mortgage preferably with as low of an interest rate as I can get.

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^ I would add that you should use Bankrate.com to shop for the best rate in your market and call the lowest rate (sometimes there are hidden fees they will disclose once you get them on the phone) and then call your local community bank to see what the delta is on the rate.

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Go with a local bank, usually more competitive

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If you’re a Costco member check them out. They have deals with several firms that limit fees and offer great rates. The two that had good rates for me: Mutual of Omaha, cross country mortgage.

It’s probably even worth it to buy a Costco membership just for this since the savings on fees more than covers the membership cost.

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Start with bank rate but get multiple quotes and use them against each other.

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Find your local credit union, real competitive

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I used an online bank out of TN called Triumph Mortgage - they're nowhere near where I bought my vacation home in NH. I secured a great rate and they met all their contractual deadlines. I recommend them.

Having said that, it depends on your market and the type of purchase. Appraisals can be very difficult in some of the vacation type markets that are on fire right now (can take 4-6 weeks or more). Some of the online banks are bringing in appraisers from way outside of the market area who aren't educated on the nuances of the market they find themselves working in and this can easily blow up your deal. Working with a local bank sometimes means paying a bit of a premium, but you also have a local person who is accountable to you and they will typically use a local appraiser which is very important.

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I did a comprehensive search a few months back. Random lowest rates were First Internet Bank of Indiana and Farmers Bank of Kansas City.

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