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Why We Don't Publish Rates
We price one loan at a time and feel strongly that, putting rates on the internet will confuse more than help. However, we monitor all known websites and area competitors frequently and have yet to find lower rates than ours!
1. Mortgages are not a commodity.
2. Rates and rate locking are more complex than simply publishing one number for all mortgages. Loan size, lock periods, credit scores, LTV and loan programs (FHA/VA, RD, Conventional) all can radically change the interest rate you are quoted.
3. Loan Size - Rates are based on loan size $50,000 loans and $300,000 loans are priced differently.
4. Lock Periods Differ - Is your loan a purchase with a 30 day rate lock requirement or is it a refinance with a 15 day rate lock? The rate lock period could affect the rate quote, possibly in your favor if it is a shorter duration.
5. Numerous Variables - Is your loan a $75,000 condo purchase, with 50% phase completion, 20% down payment, requesting escrow waiver for the property taxes, closing in 40 days, underwritten as a "No Income" loan? Or a $150,000, 85% cash-out refinance, wanting to close in 15 days? Published rates will not reflect many of these characteristics and serve only to frustrate and confuse. An intelligent conversation with one of our Mortgage Consultants could really save you some hassle with trying to figure out a rate.
6. Creative Suggestions - Is your loan a $500,000 "jumbo" mortgage? We may suggest a "combo" mortgage with a conforming first mortgage of $300,000 and a second mortgage fixed for $100,000. This type of mortgage can save you a lot of money. Speaking to us can help us suggest ways for you to SAVE!
Just as you would never make a self-diagnosis as to your health and well being by using a published health web site, you should not "self rate" your mortgage situation.
We are consultants in our style of discussion, without any pressure. Our best customers are educated as to their options and thrilled with the programs we offer. Our customers refer their friends, family and co-workers.
7. Let's face it honesty and the mortgage business do not go hand in hand. There are too many companies who can promise you rates on the internet or over the phone - then do not deliver. We at Grand Oak Mortgage Company stand by our rate quotes even when the markets are working against us. Give one of our Mortgage Consultants a call today to receive the rate of the program best suited to your needs.
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"Our Loan Officer and Loan Processor were great to work with, they were pleasant and helpful" - Mr. & Mrs. Pulliam
"The staff went up and above any of our expectations. Explaining everything step by step, very professional and helpful" - Dale Gohn & Kristie Tickle
"As a first time home buyer I was very unclear on what was involved in applying for a mortgage and what points and closing costs really were. Grand Oak Mortgage Company took the time to explain and educate me and my wife on the entire mortgage process" - Mr. & Mrs. Zlotnik
"Thank You Grand Oak Mortgage, my loan experience was all that you said it would be, fast and hassle-free" - Mr. & Mrs. Babcock
"Grand Oak Mortgage was great to deal with. Everytime, I spoke with them they were very upbeat and happy. It was a real pleasure dealing with such a great staff. They were very patient with me even when they had to explain things to me twice" - Mr. Passalacqua
"My Loan Officer was very helpful and all for us, she gave us insight into the ins and outs of the business" - Mr. & Mrs. Gonzalez
"Grand Oak Mortgage was very helpful, we want to thank them for getting us in our house. Very good company, who cares about their clients" - Mr. Zak
"With all the different loans programs available I didn't know the best program for me. With the help of my Grand Oak Mortgage Company Loan Officer I ended up with a loan program that saved me nearly $100/month on my house payment" - Mr. & Mrs. Wink
"The staff went up and above any of our expectations. Explaining everything step by step, very professional and helpful" - Dale Gohn & Kristie Tickle
"As a first time home buyer I was very unclear on what was involved in applying for a mortgage and what points and closing costs really were. Grand Oak Mortgage Company took the time to explain and educate me and my wife on the entire mortgage process" - Mr. & Mrs. Zlotnik
"Thank You Grand Oak Mortgage, my loan experience was all that you said it would be, fast and hassle-free" - Mr. & Mrs. Babcock
"Grand Oak Mortgage was great to deal with. Everytime, I spoke with them they were very upbeat and happy. It was a real pleasure dealing with such a great staff. They were very patient with me even when they had to explain things to me twice" - Mr. Passalacqua
"My Loan Officer was very helpful and all for us, she gave us insight into the ins and outs of the business" - Mr. & Mrs. Gonzalez
"Grand Oak Mortgage was very helpful, we want to thank them for getting us in our house. Very good company, who cares about their clients" - Mr. Zak
"With all the different loans programs available I didn't know the best program for me. With the help of my Grand Oak Mortgage Company Loan Officer I ended up with a loan program that saved me nearly $100/month on my house payment" - Mr. & Mrs. Wink
*We are proud to announce that all of our Loan Officers are S.A.F.E. act compliant.
