Here are some hints if you plane on getting o mortgage or if you are going to refinance a existing mortgage. Make sure you get a pre approve from more that 1 lender. You don't want them to pull your credit to many times but its good to have more than just 1 opinion. It all so will ensure you are getting a good deal. All so this will help if you start having problems with one lender. You can all ways go with another lender that you already know what they are offering. If you are refinancing, you want to make sure you don't have any prepayments on your existing mortgage. You can go back and look at your paper work to see if there is a pre payment penalty. Mortgage Denver I pre payment penalty is usually up to about 6 months of your payments. So if you are planing to refinance your mortgage you need to included this prepayment.
Make sure you get the closing cost and interest rate form the different lenders. You will need to get both in order have the big picture. Not all lenders charge the same amount on money. So you really want to make sure you get the total cost of the mortgage. And make sure you get every thing in writing. This is usually called a good faith estimate. This is something you can use later. But keep in ming it is just an estimate. Its very hard for the lender to have exact figures because its still early in the process. They will not have all the exact numbers as of yet But it is nice to have everything in writing so you can come back and show them later if need. All so make sure you get something in writing showing that your rate is locked.
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