24-7 Realty Services, our agents

How large is your company and how long has the company been in business?
How long have you been in the mortgage loan business?
Are you a licensed mortgage broker or loan officer in Texas?
Is this compnay a mortgage banker or a mortgage broker?
What is the difference between a mortgage banker and a mortgage broker?
What is the process for funding and when will the loan fund, after or at closing?
What is the name, phone number and e-mail address of the person who will actually be processing my loan application?
How accessible is that person?
Tell me about all the loan fees. What fees will I have to pay up front?
What fees will I have to pay at closing?
When will I get a Good Faith Estimate of the costs of the loan?
Do the costs you are quoting me include the loan origination fee?
Are there loans available with no origination fees?
Reducing closing costs?
What are your interest rates?
Tell me about special loan programs you have available.Can I lock in my interest rate?
How long can I lock the rate?
If interest rates go down, can I relock at the lower rate? If so, will there be a charge for that?
What Information will I have to provide to get a mortgage loan?
What documentation will I have to provide?
Will you require current tax returns?
Can you provide me with a conditional pre-approval letter?
Exactly what does pre-approval mean?
How long will it take to get complete unconditional loan approval and be ready to close?
I plan to stay in this house for ____years. Can you show me the breakdown of any ARM loans you offer vs. fixed-rate loans to see which could save me the most money in my situation?
Do you have any other loan programs that might be good for my situation?
What is private mortgage insurance?
Other than a 20% down payment, how can I avoid the PMI?
In the last three months, how many loan applications have you taken and how many have you been unable to close?
Can you give me names and phone numbers of two or three people for whom you've funded loans in the last two months?


	Questions buyers should ask a mortgage lender How large is your company and how long has the company been in business? How long have you been in the mortgage loan business? Are you a licensed mortgage broker or loan officer in Texas? Is this compnay a mortgage banker or a mortgage broker? What is the difference between a mortgage banker and a mortgage broker? What is the process for funding and when will the loan fund, after or at closing? What is the name, phone number and e-mail address of the person who will actually be processing my loan application? How accessible is that person? Tell me about all the loan fees. What fees will I have to pay up front? What fees will I have to pay at closing? When will I get a Good Faith Estimate of the costs of the loan? Do the costs you are quoting me include the loan origination fee? Are there loans available with no origination fees? Reducing closing costs? What are your interest rates? Tell me about special loan programs you have available.Can I lock in my interest rate? How long can I lock the rate? If interest rates go down, can I relock at the lower rate? If so, will there be a charge for that? What Information will I have to provide to get a mortgage loan? What documentation will I have to provide? Will you require current tax returns? Can you provide me with a conditional pre-approval letter? Exactly what does pre-approval mean? How long will it take to get complete unconditional loan approval and be ready to close? I plan to stay in this house for ____years. Can you show me the breakdown of any ARM loans you offer vs. fixed-rate loans to see which could save me the most money in my situation? Do you have any other loan programs that might be good for my situation? What is private mortgage insurance? Other than a 20% down payment, how can I avoid the PMI? In the last three months, how many loan applications have you taken and how many have you been unable to close? Can you give me names and phone numbers of two or three people for whom you've funded loans in the last two months?








9913 Honeywell, Suite A Houston, TX 77074 Tel: 281-491-SOLD Fax: 713-270-9202 info@24-7-realtyservices.com Each office is independently owned and operated.