2008-05-02, 09:49 AM | #1 |
EJ22T
Join Date: Sep 2003
Location: Reno
Posts: 9,445
Car: '93/'01 GF6, mostly red
Class: 19 FP
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Recommend me a mortgage broker
I'm not yet quite ready to buy, but I'd like to start working with an experienced career broker who can get us pointed in the right direction. That way we won't waste any more time than we have to getting to the point where we can make offers. Someone with experience doing VA/FHA/similar stuff would be nice.
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FWD is the new AWD |
2008-05-02, 10:03 AM | #2 |
Seņor Cheap Bastarde
Real Name: Dean Join Date: May 2003
Location: $99 Tire Store
Posts: 9,294
Car: $.04 STI
Class: Fast,Cheap & Reliable=STI
Deal, did somebody say Deal? Oh, Dean, yeah that's me.
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When I looked many moons ago I came to the quick realization that brokers are just another middleman taking their cut, but I did learn a bit from talking to a few. CTX was the most helpful.
I ended up going straight to lenders though in the end. When I was looking to refi, Lending Tree was a good choice. Don't know how they do on origination.
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2008-05-02, 10:21 AM | #3 | |
EJ22
Join Date: Apr 2006
Location: Reno
Posts: 148
Car: RED WRX
Class: Spectator
Mangia la mia polvere
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Doug Daberko at Greater Nevada 334-3160
My GF and I used him on our current house and she used him on her previous house. Great guy -- he will spend time with you to answer any questions you have, and explain everything in great detail. He is very thorough and knowledgeable. Quote:
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2008-05-02, 10:34 AM | #4 | |
EJ22T
Join Date: Sep 2003
Location: Reno
Posts: 9,445
Car: '93/'01 GF6, mostly red
Class: 19 FP
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Quote:
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FWD is the new AWD |
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2008-05-02, 10:35 AM | #5 | |
EJ22T
Join Date: Sep 2003
Location: Reno
Posts: 9,445
Car: '93/'01 GF6, mostly red
Class: 19 FP
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Quote:
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FWD is the new AWD |
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2008-05-02, 11:01 AM | #6 | |
Seņor Cheap Bastarde
Real Name: Dean Join Date: May 2003
Location: $99 Tire Store
Posts: 9,294
Car: $.04 STI
Class: Fast,Cheap & Reliable=STI
Deal, did somebody say Deal? Oh, Dean, yeah that's me.
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Quote:
Nobody will tell you the whole story. It is worth the tens of thousands of dollars over the life of the loan to do your homework and go visit a bunch of lenders as well as shopping on-line. Just don't let anyone run a credit check on you until you are ready. You can check your own, but every one lenders do basically lowers your credit score, sort of, kinda...
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I am a Commodore PET --- Now get off my lawn you kids... |
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2008-05-02, 11:59 AM | #7 |
EJ22
Join Date: Apr 2006
Location: Reno
Posts: 148
Car: RED WRX
Class: Spectator
Mangia la mia polvere
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Yeah, Greater Nevada Credit Union. Though I think they have kind of split it off to Greater Nevada Mortgage Services... That number will get to to him. He met us at any branch we wanted. I think we went to the one on S. Virginia by Home Depot.
Edit: Whoo Hoo Post 100 EJ22! Last edited by SteveM; 2008-05-02 at 12:00 PM. Reason: EJ22 Status |
2008-05-02, 05:18 PM | #8 |
EJ207
Join Date: Dec 2002
Location: 39n53, 119w90
Posts: 2,698
Car: RX-8
Class: CS maybe
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You might ask Jim Uchytil if his wife is a broker. I overheard her one day on her cellphone, setting up some kind of deal that sounded like it involved the down payment for something that spanned a year (or else, wasn't due for a year), and at the time I wondered how that kind of deal could work.
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2008-05-02, 05:22 PM | #9 |
Seņor Cheap Bastarde
Real Name: Dean Join Date: May 2003
Location: $99 Tire Store
Posts: 9,294
Car: $.04 STI
Class: Fast,Cheap & Reliable=STI
Deal, did somebody say Deal? Oh, Dean, yeah that's me.
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Debbie just made me think that you should ask John Townley. He an Rochel are realtors and probably have a few references.
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I am a Commodore PET --- Now get off my lawn you kids... |
2008-05-02, 10:33 PM | #10 |
(40 percent vodka)
Real Name: Joel Join Date: Oct 2006
Location: Reno, NV
Posts: 4,446
Car: 2004WRX
Class: Baby-Hauler/GroceryGetter
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Kevin I don't if you are married or not but since you said "us" I will assume you are. One thing to make sure to do when signing the papers after buying your home, is to make sure the title company titles the property to you as community property, and not as joint tenants. Nevada is a community property state but, for some reason unless you specify, title companies will default to joint tendency. This will give you better tax advantages in the future. Plus, Joint Tendency will cost you more money in deed preperation if you ever decide to create a living trust.
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"A power nap is when you sleep on someone who is weaker than you." - Dimitri Martin |
2008-05-03, 11:16 AM | #11 |
EJ22T
Join Date: Sep 2003
Location: Reno
Posts: 9,445
Car: '93/'01 GF6, mostly red
Class: 19 FP
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I'm not married.
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FWD is the new AWD |
2008-05-05, 12:29 PM | #12 |
EJ251
Real Name: Nat S Join Date: Feb 2004
Location: Reno, NV USA
Posts: 743
Car: 06 S2000
Class: RNP & PDX
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I use my wife's friend she help us buy this house and refi the rental good rate too. Give her a call Mathenee 901-1311.
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