The $9,800 Origination Fee
Not all loan costs appear in the interest rate. Some appear elsewhere on the Loan Estimate. A borrower recently sent a Loan Estimate for a $620,000 purchase loan that appeared…
Adventures in the Lowest Interest Rate Guarantee
People often ask, how do you GUARANTEE the lowest interest rate? This blog shows "how" we do it. Each post documents a real case where we analyze a Loan Estimate and pursue a lower rate. We do this to create transparency and demonstrates the research process behind the guarantee.
When Two Identical Borrowers Receive Different Rates
Mortgage pricing can vary dramatically even when borrowers appear identical on paper. A recent case illustrates how this happens. Two borrowers contacted BANKIRR within days of each other. Both were…
The Half-Point Hidden in Plain Sight
Bonds dictate mortgage rates and bonds experienced a bit of volatility this morning in response to the Supreme Court ruling on tariffs.
Understanding Income & Asset Documentation Across Loan Types
When evaluating mortgage options, the level of income and asset documentation required varies significantly by loan type.