I am not a lender, I'm a Realtor. But as many real estate agents will tell you, they know they way around the Lending World.
They know the Good, the bad and the ugly. They know who will over promise and under deliver and who is "spot on" when it comes to loan origination.
What we explain to our clients is the "cheapest" is not always the best. This rings true when you get rolled by a lender that has their offices on the other side of the United States.
Rolled - referring to your rate changing for the worse during the "lock period". This is typically found out when you are signing loan documents. After the point of "almost no return". You have given notice where you are living and burned all applicable bridges...
It's totally bad - but if the "lender" is not local, and the agent has no control, you may be stuck up the proverbial creek without a paddle.
Another "bad practice" is the "over promise" and under deliver thing. A person has to be fully run through the credit systems before they can be "really pre approved" for a home loan.
Some lenders, trying to save time, may sidestep this necessary part of approving a client.
Make sure your Lender is Local, they have a real office you can walk into to show your displeasure or have flowers delivered.
Make sure you get any "promises" in writing by sending an email recapping the conversation where "to good be true" statements and promises were delivered to you!
There are many reasons why you need to be guided through the Home Buying Process by your Local Realtor. This is two of them :)
Thanks for taking the time to read this posting. If you have any comments, post them here.
Connor MacIvor is a RE/MAX of Santa Clarita CA Realtor, 25101 The Old Road, Santa Clarita CA, 91381
Connor MacIvor – Santa Clarita’s First Responder Realtor
With over two decades of experience serving the community as both a dedicated LAPD officer and a real estate professional, Connor MacIvor is known as the "First Responder Realtor" in Santa Clarita. He blends his extensive background in law enforcement with a client-first approach to real estate, ensuring that buyers and sellers in the Santa Clarita Valley (SCV) receive top-tier service, trust, and expertise.
Connor’s journey into real estate began in 1998, and since then, he has developed a strong presence in the SCV market. His commitment to transparency, integrity, and hard work sets him apart, making him a trusted name for those looking to navigate the complexities of real estate. Whether helping first-time homebuyers, experienced investors, or homeowners ready to sell, Connor ensures that every client has the necessary information and support to make informed decisions.
Known for his "Connor with Honor" brand, Connor is deeply rooted in Santa Clarita, offering market insights, expert advice, and a wealth of local knowledge. His daily updates and real-time market analyses have become a go-to resource for those wanting to stay ahead of trends in SCV real estate.
Areas of Expertise:
Residential real estate (single-family homes, condos, townhomes)
Real estate market trends and analysis
First-time homebuyer guidance
Expert selling strategies for the SCV area
Santa Clarita market updates
When not helping clients, Connor continues to be involved in the community, offering invaluable guidance to fellow first responders and residents alike. His deep knowledge of the Santa Clarita real estate market, coupled with his commitment to honor and service, make him the Realtor you can count on for all your SCV real estate needs.
Connect with Connor MacIvor:
Website: www.santaclaritaopenhouses.com
YouTube: https://youtu.be/RPwmbt1-xnM
Podcast: https://www.buzzsprout.com/298109/episodes/15991067
Google Business: https://posts.gle/rT729d
X (Twitter): https://x.com/ConnorwithHonor
https://www.santaclaritaopenhouses.com
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