THE TRUTH ABOUT RATES... WHAT THE OTHER GUYS WILL NOT TELL YOU.

If someone advertises a low rate on their website or in an email, they are just trying to get you on the hook.  The truth about rates is that they can change daily, especially the cost to get them.  We discount what the lender pays us to get you the lowest rate possible without paying points for the rate.  The other guys will offer you a low rate but charge you points for the rate, and then add it onto your loan.  Don't fall for it.  Watch out for their junk fees too.  They are just money makers for them.  We don't do that, ever. Call us and we will show you all the rates, real fees, and help you make the best decision that will benefit you, not the person selling you the loan.  We treat you like family becasue we are First Responders too... Chief Carlino