[Mike Oxlong]

Congrats on buying a house! You guys must be pumped....

First thing is to definitely to get pre approved. You mention you were working with a mortgage banker. Not sure if you meant to say mortgage banker or broker.

If you are using a banker I would highly reccomend exploring the BROKER option.

When you use a banker at say BMO for example you are limited to the programs, rates, and qualification guidelines at BMO only.

When you use a broker we go out and shop a whole bunch of different lenders for you saving you the legwork and time. We find you the best rates but also the mortgage that best fits your needs, best of all our services are totally free to you.

This is a good time to be buying. Interest rates are super low. Make sure when you get pre approved you get a rate hold so you don't lose out on these rates in case they go up.


If you are using a banker then send me a PM and I will be happy to help you out or answer any of your questions at all.

If you are using a broker already then disregard this post and Congrats again on the new place!

ps
Like everyone else above said, a good realtor is worth their weight in gold. They could save you thousands on the purchase price and you don't have to pay them when buying. They can help you out even when building a home.

I know a couple really good ones if you want some names.