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home loans #6783280
02/26/20 12:23 AM
02/26/20 12:23 AM
Joined: Mar 2010
Posts: 3,035
wyoming southeast
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danvee Offline OP
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danvee  Offline OP
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Joined: Mar 2010
Posts: 3,035
wyoming southeast
thinking of getting a rental home and wondering has anyone used on line lending or mortgages?? Seems like the rates are better than our local banks but wondering if it is as easy as they make it seem to get a better rate. I know the last couple loans I took out the local bank makes the loan and then sells it to another lender and just charge you for the paperwork.

Re: home loans [Re: danvee] #6783443
02/26/20 09:09 AM
02/26/20 09:09 AM
Joined: Dec 2013
Posts: 14,804
Greene County,Virginia
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run Offline
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run  Offline
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Joined: Dec 2013
Posts: 14,804
Greene County,Virginia
I would tend to go with the local bank. Just my 2 cents.


wanna be goat farmer.
Re: home loans [Re: danvee] #6783467
02/26/20 09:23 AM
02/26/20 09:23 AM
Joined: Sep 2012
Posts: 914
Perry, NY
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Dana I Offline
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Dana I  Offline
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Joined: Sep 2012
Posts: 914
Perry, NY
Find a local lender who is not in the business of selling loans. Then never be late on a payment, you will have a great friend in future dealings. I would think credit unions would be your best bet.

I don't even have to go in anymore. I just call him, tell him what I need and he drops by the house with the paperwork. Last time I called him was unrelated to a existing loan and he says, "I bet I can save you some money on your other land loan". He ran some numbers and got 3/4 of a percent shaved off the interest rate of a loan I wasn't even asking about. Try to get that kind of service from a online lender.

Re: home loans [Re: danvee] #6783504
02/26/20 09:32 AM
02/26/20 09:32 AM
Joined: Feb 2014
Posts: 25,692
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adam m Offline
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adam m  Offline
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Joined: Feb 2014
Posts: 25,692
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Dan, I landed up going through a local place and still got a great rate. Either 3.62 or 3.26% the customer service has been great. My CU only did 20% down loans.

Right now the market is crazy hot as mentioned in another thread on here recently. Most houses are lasting less than 24hrs here and going around listed if not higher. I can't get my offers in fast enough.

Good luck

Here's the other thread

https://trapperman.com/forum/ubbthreads.php/ubb/showflat/Number/6773591/Searchpage/1/Main/501781/Words/%2BMortgage/Search/true/re-hows-the-housing-market#Post6773591



Last edited by adam m; 02/26/20 09:42 AM. Reason: Added text
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