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Adjustable Hiking
Many folks believe getting a handful of Good Faith Estimates and picking the company with the lowest cost estimate is the right way to shop for a mortgage.
After 15 years in the mortgage industry, I can unequivocally sayÂ…boy, is that wrong!
Once folks learn the frivolity of using estimates, the most asked question I hear is, “If estimates are out, how do I pick one mortgage company over another?”. To answer that question, I put together the “Run, Don’t Walk” Checklist for mortgage shoppers. To use the checklist, remember, if the company/loan officer you’re evaluating, possess, says, or demonstrates any item on list….Run, Don’t Walk!
Well, here we go: The Checklist
1. ItÂ’s a bankÂ….you know Countrywide, Wells Fargo, Washington Mutual etc, Banks are not the low cost providers of mortgage money Â…big surprise, right! And they donÂ’t have to disclose their overage (ie. YSP or SRP).
2. They donÂ’t have you sign anythingÂ…no application, good faith estimate etc. (self-explanatory)
3. They have you sign blank documents. Signing blank documents is worse than no documents.
4. They are a friend or family member...once you learn the truth, so long friend.
5. They verbally lock loansÂ…no lender lock confirmation. If they wonÂ’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread premium).
7. They promote loans with a pre-payment penalty. They make more YSP with a pre-payment penalty unless the lock confirmation shows otherwise.
8. They are uncomfortable or irritated discussing their compensation. If they canÂ’t discuss and explain their total compensation without equivocation, run!
9. They push Adjustable rate mortgages (adjustable rate mortgage) when your hold period is 5 plus years or when the market has obviously changed to an increasing rate market.
10. They push an interest only loan when your hold period is 5 plus years or when the market has obviously changed to an increasing rate market. Interest only loans typically are used to obfuscate the underlying adjustable rate.
11. They push an FHA and/or VA loans when they havenÂ’t attempted a conventional approval first. Conventional lending now provide 100% and bruised credit programs which formerly were the main reason for the FHA and VA programs. They are now obsolete.
12. They push a sub-prime or bruised credit loan without attempting an "A" credit loan first.
13. They do not get immediate computer approval.
14. They insist on a personal meeting for application designed to pressure you into signing.
15. They promote a “fixed fee” or “No-Cost” loan….there is no such thing! Yield spread premium rate hiking will cost you thousands over the life of the loan.
16. They won’t disclose their exact total compensation. This includes all revenue generated by origination fees, mortgage broker fees, processing fees, and all “back-end” compensation also known as yield spread premiums (for brokers) or service release premiums (for banks).
17. They push an interest only loan and tells you to pay extra principal payments.
18. They promote Adjustable rate mortgages in an increasing interest market.
19. They canÂ’t explain how the ADJUSTABLE RATE MORTGAGE index and margin come together to make an ADJUSTABLE RATE MORTGAGE rate.
20. They canÂ’t explain what the initial, periodic, and lifetime caps on an ADJUSTABLE RATE MORTGAGE are.
21. They donÂ’t know the difference between a convertible and a non-convertible ADJUSTABLE RATE MORTGAGE.
22. They push negative amortizing loans like the “pick-a-payment” or “option” Adjustable rate mortgages so predominant in radio and TV advertising these days.
23. They donÂ’t know the difference between payment caps and rate caps on Adjustable rate mortgages.
24. They work part-time in the mortgage business.
25. They are new to the business and therefore lacking in experience.
26. They were referred by a Website lead portal like LendingTree and others. These lending sites increase the cost of the loan. In the case of LendingTree, the increase cost is over $700!
27. They were referred by a real estate agent. They will probably be related to the loan officer or have some financial arrangement that will increase the cost of the loan for you.
28. They work for the builder mortgage company. See 27 above.
29. They work for the real estate mortgage company. See 27 above
30. They are also your insurance agent or financial planner. See 27 above.
31. They claim or allow you to assume, you can get the lowest rate simultaneously with a No-Cost or Flat Fee loan. An example is when you see a low rate on a Ditech commercial flashed right next to a flat fee offer of $395Â…they donÂ’t go together, but youÂ’ll only discover that after you call.
32. They use massive TV or Radio Ad campaigns. The cost of those ads gets re-couped by increased cost to you. Yield spread premium to the rescue!
33. They collect a huge deposit. As in the case of LendingTree, where they collect a NON-refundable $600!
34. They quote you a rate without first gathering important, rate-changing, information like, type of loan, credit score, loan-to-value, and income qualifying vs. stated income, etc.
35. They donÂ’t mention mortgage insurance when the loan to value is over 80%.
36. They canÂ’t get a loan done in less than 30 days.
37. They push “pay off your credit cards with a Home Equity Loan. These loans are by definition adjustable rate loans usually based on the Prime Rate which changes with each Fed change…not good.
This checklist should be used with a healthy dose of common sense. I always tell folks to trust their instincts as well. Knowing that your BS meter is going off at high volume should not be ignored. These points allow you to ask the loan officer the question, get the answer, and then listen for the alarm to sound. Of course, if you donÂ’t listen for the alarm and act on it, no amount of advice will help you.
Good Luck!
Rob K. Blake, author of the BUILD System, "Get the Best Mortgage Rate", has just created a mortgage calculator called - "No Closing Cost" Mortgage Software- which saves you $1,000s without refinancing! Click link for more on finding the best mortgage rates online.
Where can I buy a small, inexpensive messenger-style bag?
It need not have several pockets, zippers, and hoopla. Just the bag (big enough to hold a waterbottle, a camera, and my phone), and an adjustable strap. (It's for hiking.) And inexpensive would be nice.
I would rather get suggestions on where to get one, so I don't end up shopping around and finding stuff to buy at every store I visit.
Advice would be appreciated. Thanks!
J - what about something like an insulated nylon lunch bag?
The padding would protect your camera & phone, and keep the bottle and water on the outside, away from the electronic stuff. Most of them come with adjustable straps.
Another possible solution would be to find a plain black nylon purse. I found one at Kmart, made by American Tourister, which I use for my camera, along with a few odds and ends. Don't worry, it doesn't look girly or anything like that.
Third choice might be to look in the camping, sporting goods, or luggage section of a store. I've seen hip-packs that have buckle straps that could be worn over the shoulder.
Best, and least expensive, place to check out would be your local discount store like Kmart, WalMart or similar mart-mart stores. If there is an Army/Navy surplus store near you, they may have the type of bag you want.
Energy Drink Featherfire Knock Off Alcohol Stove
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Picnic at Ascot Hamptons Lux Wine and Cheese Cooler
$48.99 Compact Thermal Shield insulated wine and cheese cooler includes acrylic glasses, napkins, corkscrew, bottle stopper, cheese knife, and hardwood cutting board. This unique set holds two bottles and can be used as a three bottle carrier with glasses removed. Includes adjustable padded bottle dividers. Attractive slim profile case has a comfortable adjustable shoulder strap to carry. Designed and As... |
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Picnic at Ascot Santa Cruz Lux Wine and Cheese Cooler
$42.99 Compact Thermal Shield insulated wine and cheese cooler includes acrylic glasses, napkins, corkscrew, bottle stopper, cheese knife, and hardwood cutting board. This unique set holds two bottles and can be used as a three bottle carrier with glasses removed. Includes adjustable padded bottle dividers. Attractive slim profile case has a comfortable adjustable shoulder strap to carry. Designed and As... |
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FreshVac Plus Square Lunchpac
This freshvac Lunchpac includes the bag and freshvac PLUS container with 3 removable divider inserts, which fits snugly in the bottom zippered compartment of the bag.... |
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Nebo Redline Tactical Flashlight Strobe S.O.S 220 Lumen #5581
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Rayovac SPHLTLED-B Sportsman LED Headlight
$15.32 The Rayovac SPHLTLED 3-in-1 LED Head-Lite features three different lights -- a red LED for nightvision, a white LED for close range, and a long-range Krypton beam. The hands-free design and water-resistant construction make this a great headlamp choice for any outdoors enthusiast. Built for comfort with an adjustable headband, the SPHLTED is suited for almost any head size. This lightweight headla... |
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Maglite M2A01H AA Mini Flashlight and Holster Combo-Pack, Black
$7.95 With its high-intensity adjustable light beam and compact size, the Mini Maglite Two-Cell AA Flashlight and Holster Combo Pack offers limitless around-the-house and on-the-go options. This slender flashlight succeeds where flimsy plastic flashlights fail, providing a steady, fast-focus stream of light wherever and whenever you need it. For easy portability, the flashlight comes with a nylon holste... |
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Euro Style Light Weight Forearm Walking Crutch
$52.99 The Euro Style lightweight aluminum forearm crutch by Drive Medical adds style compared to traditional forearm crutches. The design features a one piece molded forearm cuff and hand grip assembly which can be height adjusted in 1" increments to allow for personal comfort and sizing. At 1.5 lbs. each, this crutch is lighter than traditional style forearm crutches. The product is available in two st... |
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Folding Cane - Abstract. This Walking Stick Cane has push button height adjustment and a weight capacity of 250 lbs. Comfortable Fritz Handle for arthritis sufferers.
$69.99 Folding Cane - Abstract. This Walking Stick Cane has push button height adjustment in 1" increments from 33"-37" and a weight capacity of 250 lbs. The folding stick cane has a double cord system for easy folding convenience and features a comfortable Fritz Handle for arthritis sufferers.... |
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Adjustable Fritz Cane Varied Aluminum Shaft, Black Solid Wood Handle -Affordable Gift for your Loved One! Item #DHAR-500-600
This spell-binding cane by HARVY features aluminum shaft adjusts from 27 to 36 inches long. Fritz handle in black finish made of solid wood provides comfortable support. Comes with a rubber tip# 39808. Measures 5 x 1 x 27 - 36 inches.A great value, this cane would make a awesome gift for anyone: your significant other, friend, parent, or a coworker!... |
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Dual Electronics XGPS150 Universal Bluetooth GPS Receiver for iPad 2, iPad, iPod touch, iPhone and Other Smartphones, Tablets and Laptops
$99.99 * Wirelessly adds GPS to iPad, iPod touch, iPhone and other Bluetooth-enabled smartphones, tablets and laptops * Allows your device to be used with most apps that require GPS, including apps for car and marine navigation, golfing, geocaching, hiking, GPS tracking, cycling, running, social networking and more. * Rechargeable battery lasts up to 8.5 hours of continuous use and charges via the includ... |
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