Obtaining a mortgage or refinancing can be a stressful experience. Often times, borrowers are left choosing between a banker they trust and terms they can accept.
After purchasing my 1st home as an MS4, refinancing it as a PGY1, then attempting to refinance it as a PGY2, I'm now preparing to purchase my second home.
Having worked with so many mortgage officers from a wide spectrum of mortgage companies in the past, I can honestly say I felt lied to and talked down to 99% of the time, and hence developed a severe aversion to the mortgage industry. I wanted to share my past woes and my recent pleasant experience with you and hope that you will avoid the negative experiences I went through before working with the most awesome mortgage banker ever, Travis Woods from Bank of America.
February-May 2014: BBVA Doctor's Loan
January-March 2015: Multiple Mortgage Companies to Refinance My First Home
February-March 2016: Multiple Mortgage Companies to Re-refinance My First Home
The promised Fouth time is a charm, hopefully.
Yet to be seen as closing date is 6/17/16.
I have to quote Amber from the popular American television medical drama, House, MD,
"All my life I thought I had to choose between love and... respect. And I chose respect. And with Wilson... I know what it's like to have both."
I can now say, "All my life I thought I had to choose between the best mortgage and... the best mortgage banker. And I chose the best mortgage. And with this banker... I know what it's like to have both."
My humor at this point is the culmination of lots of tears and rage, I hope you don't have to go through what I did to get a purchase/refinance mortgage. Set yourself up for success with a good banker. Please see my recommendation page for a good banker.