Different Lender, Different Mortgage Rate

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Different Lender, Different Mortgage Rate

By admin, on June 11th, 2010

 

The mortgage rates you’ll be offered will depend not only on the lender, but other factors too. Your credit score, debt-to-income ratio and down payment or home equity will affect the mortgage interest rates that a lender can offer you. If you have good credit, a lender may offer you more attractive rates or fees. A lender may also offer you better rates and fees if you have adequate income to repay your debts and a down payment or some equity.

Mortgage rates and fees may be negotiable. That’s another reason why you should shop for a mortgage and compare mortgage products and rates. LendingTree can help you get customized mortgage offers from lenders so you can compare the interest rates and fees.

Rates also differ depending on whether you pay points. Pay more points, and a lender probably will offer you lower rates. Pay fewer or no points, and a lender likely will offer you higher rates.

 

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