{"id":6174,"date":"2020-10-15T13:14:26","date_gmt":"2020-10-15T18:14:26","guid":{"rendered":"https:\/\/ageeandjohnson.com\/?p=6174"},"modified":"2020-10-15T13:14:45","modified_gmt":"2020-10-15T18:14:45","slug":"agee-johnson-choosing-a-lender","status":"publish","type":"post","link":"https:\/\/vdgfiles2.com\/jaywhite\/site\/agee-johnson-choosing-a-lender\/","title":{"rendered":"Agee &#038; Johnson &#8211; Choosing A Lender"},"content":{"rendered":"<h3>Questions to Ask When Choosing A Lender<\/h3>\n<p>Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about.<\/p>\n<p><strong>General questions:<\/strong><\/p>\n<ul>\n<li>What are the most popular mortgages you offer? Why are they so popular?<\/li>\n<li>Are your rates, terms, fees, and closing costs negotiable?<\/li>\n<li>Do you offer discounts for inspections, home ownership classes, or automatic payment set-up?<\/li>\n<li>Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required?<\/li>\n<li>What escrow requirements do you have?<\/li>\n<li>What kind of bill-pay options do you offer?<\/li>\n<\/ul>\n<p><strong>Loan-specific questions:<\/strong><\/p>\n<ul>\n<li>What would be included in my mortgage payment (homeowners insurance, property taxes, etc.)?<\/li>\n<li>Which type of mortgage plan would you recommend for my situation?<\/li>\n<li>Who will service this loan\u2014your bank or another company?<\/li>\n<li>How long will the rate on this loan be in a lock-in period? Will I be able to obtain a lower rate if the market rate drops during this period?<\/li>\n<li>How long will the loan approval process take?<\/li>\n<li>How long will it take to close the loan?<\/li>\n<li>Are there any charges or penalties for prepaying this loan?<\/li>\n<li>How much will I be paying total over the life of this loan?<\/li>\n<\/ul>\n<p><a class=\"button_link\" href=\"https:\/\/ageeandjohnson.com\/site\/wp-content\/uploads\/2020\/10\/AJ_ChoosingALender.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click Here to Download a .PDF Version<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Questions to Ask When Choosing A Lender Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about. General questions: What are the most popular mortgages you offer? Why are they so popular? Are your rates, terms, fees, and closing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[144],"tags":[],"_links":{"self":[{"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/posts\/6174"}],"collection":[{"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/comments?post=6174"}],"version-history":[{"count":3,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/posts\/6174\/revisions"}],"predecessor-version":[{"id":38062,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/posts\/6174\/revisions\/38062"}],"wp:attachment":[{"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/media?parent=6174"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/categories?post=6174"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vdgfiles2.com\/jaywhite\/site\/wp-json\/wp\/v2\/tags?post=6174"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}