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Chuck Patterson
"The Buyer's Agent"
Saxton Real Estate
5311 W. Broad Street
Columbus, Ohio 43228
614-878-6431 (Office)
614-302-0874 (Cell)
email: realestate@chuckpatterson.com
The two most common routes to a mortgage are though mortgage bankers and mortgage brokers.
A mortgage banker works for a bank.
Many banks offer many, very creative types of mortgages and there may be one that is absolutely perfect for you. This is a growing strength of many banks as they try to remain competitive for your business. The downfall of using a mortgage banker is that they can only offer shat their bank or affiliated lenders offer. If you have a high credit score, good employment history and a record of responsible debt management, there is no reason a mortgage banker
can not offer you a terrific loan.
A mortgage broker is usually an independent agent with access to many lenders and many types of loan programs. A broker can many times get loans
approved that a banker cannot.
The down side of using a broker is that fees
are usually higher than a bank would charge.
The advantage is in the ability of a broker to find loans for buyers that may have some credit issues.
The choice of lender is absolutely and
undisputably that of the buyer. You are free to use any loan officer or funding source with
which you are comfortable.
If you do not have anyone in mind,
I am happy to refer you to local lenders.
614-302-0874 (Cell)
email: realestate@chuckpatterson.com
The two most common routes to a mortgage are though mortgage bankers and mortgage brokers.
A mortgage banker works for a bank.
Many banks offer many, very creative types of mortgages and there may be one that is absolutely perfect for you. This is a growing strength of many banks as they try to remain competitive for your business. The downfall of using a mortgage banker is that they can only offer shat their bank or affiliated lenders offer. If you have a high credit score, good employment history and a record of responsible debt management, there is no reason a mortgage banker
can not offer you a terrific loan.
A mortgage broker is usually an independent agent with access to many lenders and many types of loan programs. A broker can many times get loans
approved that a banker cannot.
The down side of using a broker is that fees
are usually higher than a bank would charge.
The advantage is in the ability of a broker to find loans for buyers that may have some credit issues.
The choice of lender is absolutely and
undisputably that of the buyer. You are free to use any loan officer or funding source with
which you are comfortable.
If you do not have anyone in mind,
I am happy to refer you to local lenders.
CLICK ON MY FAVORITE PLACES
HIGHLAND WEST
HILLTOP USA
WESTGATE
=========================
CENTRAL OHIO REAL ESTATE NEWS
THE $8000 TAX CREDIT EXTENDED
President
Obama signed a measure that includes an extension of the $8000 first homebuyer
tax credit that was set to expire at the end of November. In addition, the bill
creates a $6500 tax credit for homeowners who purchase a new residence.
GET DETAILS FROM CBR
=========================
IF YOU DON'T BUY A HOUSE NOW, YOU'RE STUPID OR BOKE
A Business Week article by Marc Roth=========================
OHFA offering Mortgage Credit Certificate program for first-time homebuyers
Homebuyers who qualify for the program receive a Mortgage Credit Certificate from OHFA, which can be used to reduce their household's tax burden every year for the life of their mortgage loan. With an MCC, a percentage of what you pay in mortgage interest (20, 25, or 30%) becomes a tax credit that you can deduct dollar-for-dollar from your income tax liability.
GET DETAILS
(March 23, 2009)
Several
factors which influence sales, including falling mortgage rates and
increased consumer activity point to a positive future, the Columbus
Board of REALTORS® said today.
Columbus Board of REALTORS®
AFFORDABLE "GREEN" HOMES
NOW IN COLUMBUS, OHIO
COLUMBUS IS #6
"BEST BANG FOR THE BUCK"
CITY ACCORDING TO FORBES
FORECLOSURE PREVENTION
COUNSELING PROVIDED BY COLUMBUS HOUSING PARTNERSHIP IS NOW AVAILABLE.
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