rates

Miller Mortgage VS Brick and Mortar

Hi Folks,

 

Frequent questions I get are ‘How does Miller Mortgage, LLC offer rates .25% or better than Brick and Mortar banks?’  Or ‘Why can Miller Mortgage, LLC offer no points no closing costs and my bank cannot?’

 

There’s a few reasons:

 

1)    Brick and Mortar locations have a lot more overhead and pass this on to you. 

Are you aware that your middle credit score matters?

When you apply for a mortgage loan, the lender will pull your credit scores from three credit bureaus (Transunion, Equifax and Experian) to help them determined if you are credit worthy. Your middle score of the three is what lenders will use for loan qualification. However, the underwriter will review all three scores as part of the loan underwriting process. One thing that you should know is that if you pull your own credit score through a website online, the credit scores displayed to you may be different than what lenders use because they use different reporting systems.

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