Avoiding Costly Mortgage Mistakes: (Insights from Over 25+ Year Career!)

Welcome to our latest episode on "Avoiding Mortgage Mistakes." We're honored to have a distinguished guest with us, Tom Pfister from Guaranteed Rate, Inc., who brings with him over 25 years of lending expertise.
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🤔Thinking of Moving to one of the towns and neighborhoods North of Dallas Texas?🤠
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Stay tuned to learn from one of the best in the industry. Don't forget to like, share, and subscribe for more expert interviews and insights. Whether you're a first-time homebuyer or looking to refinance, Tom's insights are invaluable. If you have any direct inquiries or need expert advice on mortgages, you can reach out to Tom directly:
📞 Tom Pfister - Guaranteed Rate, Inc.
Cell: [phone]
Email: [e-mail]
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😁 CHAPTERS
00:00 Intro
03:31 When to Connect with a Mortgage Lender
07:11 Does an Advance Inquiry Impact Your Credit Score?
08:22 A Mortgage Lender
11:34 How important is an experienced lender
16:11 Why is open communication vital when dealing with a mortgage lender?
21:08 4 Critical Aspects Lenders Always Evaluate
21:35 Identity of the person
26:45 Credit
34:13 Assets
43:33 Income
46:11 Why You Need an Experienced Realtor and A Lender
48:05 Tom Pfister
49:47 Tom contact details
54:05 Outro
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All stats, data, house pricing, and anything else mentioned is always subject to change and is provided merely as an example at the time of this recording
Most stats and data mentioned came from the following sites and are not based on our opinions
Best Schools: www.greatschools.org/texas/da...
More About Dallas: en.wikipedia.org/wiki/Dallas
Specific City Promulgated Websites
Census Data: www.census.gov/quickfacts/dal...
Neighborhood data: www.niche.com
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Phil Martin - Dallas Area - Texas Real Estate Agent | Texas Real Estate License: 0635201
Brokered by EXP Realty, LLC
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[@natehowe7975]

Thanks for the information. I was surprised you didn’t talk about manual underwriting. My understanding is some people need this, especially if they avoid use of consumer debt products and don’t have much FICO score data.

[@LiveNorthofDallasTexas]

Manual UW is not for the FAINT of HEART when you are already in contract. GREAT tool if you are getting pre-qualified (ask your expert realtor or lender) what that means. Thanks Natehowe7975 Phil Martin