Shopping for Lowest Mortgage Rates in Atlanta, Buckhead, Sandy Springs, Georgia

Shopping for the best mortgage with the lowest rate in Atlanta, Alpharetta, Buckhead, Sandy Springs and Marietta is easy. Just ask yourself one simple question. "Who asked me the most questions?" A qualified, reliable, professional loan officer will not quote you a rate without assessing all of the particulars of your situation. There are no less than 10 questions to answer to be able to give you an accurate and "real" quote for your particular situation. If it sounds like I am trying to make it hard for you to get a mortgage I am not. I am making it easy for you to show up at the closing table with the low mortgage rate you were promised. How do you get the lowest interest rate? Make sure your loan officer has asked you these questions:

> Purchase or refinance.
> Owner occupied, second home, investment.
> Value of home versus loan amount required.
> Amount of cash for down payment and/or reserves.
> Credit history (bankruptcy, foreclosure, collections, late payments) and credit scores.
> Type of employment (self employed-wage earner.)
> Type of pay (Hourly-salary-commission, W2 or 1099)
> Length of time at current job and past history for two years.
> Can you verify rent or mortgage for last 2 years.
> How long have you owned the home (refinance.)

Why would I say the answers to these questions are essential in shopping for the lowest mortgage rates? Because these are the questions the underwriter is going to ask on every mortgage application to decide if you are qualified for the rate you have been quoted. Don't listen to ads on the radio that spout out "rates that sound to good to be true." It's called "Bait and Switch."

Talk to a mortgage professional and do your homework. Someone who quotes you a rate in thirty seconds is either - A Crook who will bait and switch you, a mortgage "newbie" who doesn't know the business, or someone who gets paid a salary to take phone calls - not close loans. We are here to help.

Now you have solved the mortgage mystery of how to shop for the lowest interest rate on a mortgage. Call or email today for your real, firm, reliable interest rate quote. Go to www.metromortgagepro.com or call 404 316 5650

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Mortgage Insurance Tax Deductible!

Now may be the time to consider refinancing that piggy-back loan you did years ago while trying to avoid mortgage insurance. As second mortgage rates continue to increase, new options for homeowners who earn less than $100,000 can get them out of that rising rate second and into a single loan with tax deductible M.I. The monthly premium will typically be much less per month than they are paying on the second mortgage and as rates remain low, consolidating both loans into one low fixed rate could help them save monthly. This could take the worry out of thousands of homeowners minds each month as they cringe while opening their second mortgage statements only to find their rate has gone up again.

This deduction is also available for home purchases as well and can make a larger home more affordable by avoiding the high rate seconds associated with Piggy-Backs. If you are looking for a home in the Atlanta, Georgia area try www.ryanwardrealestate.com to help you find what you are looking for.

First Time Homebuyers Qualify Now for Spring!

There is no better time to start working towards owning a home than in the winter before your spring time lease expires. I can take a look at your credit, review your income, look at your down payment options, and qualify you for the home you have always wanted.

Nothing feels better and makes a person more proud than when they say "Lets go back to my house" and someone asks "You own a House?" "Yes, of course." Instead of "No, I live in an apartment.

Take the time now to ask any questions you might have about qualifying for a home loan now or in the future. The Mortgage Master is ready.

After I have you qualified talk to the Atlanta Real Estate Professional at RyanWardRealEstate.com