You May Be Paying Too Much for Your Mortgage
Millions of Americans are overpaying on their mortgages—often without even realizing it. In this video, Andy breaks down one of the biggest hidden factors driving up mortgage costs and how those fees get passed along to you. Don't miss this insider tip on saving money on your home loan!
That Mortgage Guy on TV…you pay for the ads
You know the mortgage company running ads on every commercial break. Those national campaigns cost a fortune, and that money comes from somewhere, often folded into what customers pay. Andy Zook breaks down why it pays to ask any lender what you are actually paying for.
A Big Mortgage Team Means Bigger Overhead
If your loan officer sits on top of a large team, someone has to fund all that overhead, and it is often built into the cost of your loan. Andy Zook, who has personally closed more than 1,100 loans, explains the difference between working with a big operation and working directly with your broker.
When a Mortgage Company Buys a Stadium
When a mortgage company's name is on a professional sports stadium, that is not a passion project. It is a marketing expense with a lot of zeros, and that bill gets paid somewhere. Bend broker Andy Zook on why he would rather keep the operation simple and the focus on your loan.
The Hidden Cost of a Big Bank Mortgage
Big banks come with big buildings, big staff, and big marketing budgets, and all of it has to be paid for somewhere. Independent Bend mortgage broker Andy Zook explains how that overhead can show up in the rates and fees customers are charged, and why a smaller shop has fewer mouths to feed. Educational, not a sales pitch. Just something worth understanding before you choose where to borrow.
What Lower Mortgage Rates Meant to the Buyer
A lower mortgage rate matters. It gives you greater purchasing power when buying a home. Imagine being able to afford more square footage, a better neighborhood, or simply having more money in your pocket each month.
Credit Bureaus are Selling Your Information
Shopping for a mortgage? Be aware! Credit bureaus (Equifax, Experian, Innovis, Transunion) sell your application info, triggering a flood of marketing from numerous lenders – sometimes shady ones. Tired of the potential onslaught? Learn how to shield yourself from these trigger leads in our blog on our website
What is a Point and Should You Pay for it?
Many people wonder if paying for a point is worthwhile. Mortgage broker and expert Andy shares some simple math to help you determine if paying a point is a worthwhile investment for your Bend, Oregon, mortgage.
You Need a New Mortgage Broker if…
Is your mortgage broker pressuring you to lock? It could be a red flag to find another mortgage person. Don't pay too much for your mortgage in Oregon.