Buying a home is one of the biggest purchases any American makes, so make sure you’re in good hands.
Buying a home is complicated: you need to find the right property in your price range in an area that works for you – and those are just the first steps. One of the most critical parts of any home purchase is getting a mortgage. Almost every American isn’t able to afford hundreds of thousands of dollars at once for a home, so a mortgage makes homeownership accessible. But when it comes to getting a mortgage, it can be hard to figure out how you should decide to work with a mortgage broker – so we have a few guidelines you can use to make sure that any mortgage broker you work with will be right for you!
Most mortgage brokers have years of experience, and that’s a good thing! Making sure that the person who is going to be in charge of funding your mortgage knows what they’re doing is incredibly important, as this is one of the biggest purchases of your life. Generally it should be easy to tell from their website when a broker has been in business for a long time, but you can also check their Facebook page – if they have one.
If you come across a mortgage broker that you’re on the fence about working with, ask them for a past client’s testimonial! Testimonials show you that the broker does good work for good people, and can truly help you get your mortgage funded. Most brokers will have several testimonials already on-hand, so requesting these – or seeing them on their website – shouldn’t cause any problems.
Their Personality Fits Yours
This can be hard to judge online or over the phone, but it’s important that any broker you work with has a personality that can work with yours. There are personality conflicts in any professional or collaborative setting, and getting a mortgage can be a high-stress activity. Making sure that your mortgage broker has a personality you can work with will help to minimize any friction in your working relationship.
Picking a mortgage broker to work with is a process that requires a lot of thought, so you can be sure that you’re making the right decision. The broker’s experience, past client results and referrals, and their personality are all important in your decision. At California Lending Company we like to think we have all of these traits! We have years of experience, having funded mortgages for decades, client testimonials, and we like to think we’re easy to work with! If you’re looking for a mortgage broker, feel free to reach out to us here.