@Recent Home Buyers: Did you use a loan broker to find a competitive interest rate with a relatively smaller lender versus going to a traditional big bank?

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We got a rate from both a small local lender and a big bank, and the big bank was FAR better

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I got a few different rates - Costco lenders, two local and chase private client. The overall rate & cost was similar across the board but I went with one of the local individuals through Ameris bank because the service was exceptional as a first time home buyer. I felt very prepared and informed throughout the process so it was worth it to me to go local and support my lender!

How did you shop around? Did a broker help you?

I used a broker, pretty convenient. Took care of a ton of stuff that I just didn’t want to deal with.

I used an independent broker and she was fantastic. Got locked into a super low rate late in 2020 - 2.5% 30y. Process was super easy and she walked through all the options we had.

Loans are just a numbers shell game, so it pays to shop around. In my opinion big banks rely on inertia, my checking account is here so I’ll use them for my loan, and don’t always offer the best rates.

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