In this eBook you will find:


  • Where do mortgage rates come from?
  • Factors you didn’t even know impacted your mortgage rate
  • Why you may not qualify for the lowest advertised rates?
  • Should you pay points to get a better rate?
  • What is LLPA and how does it impact you?
  • Why going with the lowest online rate may not be in your best interest?
  • The #1 advice you can ever get on rate shopping.


Three easy ways to get started

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US Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents