Loan Officer that the leaves of mortgage rates and credit score?

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Hello, I was shopping for a mortgage and I came across a loan officer who sends me to list the rates daily and open for 0.625 points credit costs. For example, his list yesterday, the rate set at 30 years was set at 4.875 0,125 points, he said that my rate will be 4.875, and it gives me a credit of 0.5 points on the loan amount. Can we really believe that this rate sheet and it is a good deal? Thank you in advance for your help.

  1. Reply
    April 29, 2011 at 11:03 pm

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  2. Reply
    April 29, 2011 at 11:14 pm

    Only pay for points if you know you will stay in your home for the life of the loan.
    If you plan to move 10 or 20 years down the road, it may not be worth it.

    Better move (besides points), pay down your mortgage when you get extra cash in your future.

  3. Reply
    April 29, 2011 at 11:19 pm

    It’s average depending on your loan specifics (amount of loan, credit score, state, etc.) Giving a borrower a credit towards closing costs is pretty common. If you want to compare the offer to other lenders try They have a marketplace where you can submit a loan request and get quotes from multiple lenders.

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