Why Should I Use a Realtor?

First and foremost, because you need an experienced professional working on your behalf. The realtor's commision is not paid by the buyer, but by the seller of the home being purchased, and it is in each party's best interest to have professional representation.

As a seller, profits are generally maximized by having an experienced realtor stage, market and sell your home, rather than deal with the headaches of trying to do it all on your own.


WHAT SHOULD MY LOAN OFFICER DO FOR ME?
Your loan officer should be well-versed in the status of the Mortgage Bond Market, recent and upcoming Economic Reports and how the actions of the Federal Reserve affect lending rates (the correct answers may surprise you).

Your loan officer should also be able to educate you on how to interpret the hype driving the too-good-to-be true loan offers appearing almost everywhere.

Your loan officer should be able to educate you on all of your financing options and help you to develop a strategy for your mortgage financing that could save you thousands of dollars.

Your loan officer should be able to show you how to make correct comparisons between different lenders: bottom line numbers and APR's are easily manipulated and do not serve as a good basis for comparison.

Finally, your loan officer should educate you on how interest rates and closing costs go hand-in-hand: when one goes down, the other goes up.