Discover the Wholesale Mortgage way of buying your next home and get 4% more home for the same payment. If you are here you know that different lenders charge different prices for the same loan. These different prices come in the form of different rates and fees, along with different lock periods, loan types and escrow requirements. In May, Ed and Diane bought a larger home. They were well qualified so they decided to get a wholesale loan. The day they got keys to their new home they put $4,885.00 "into their pocket". A nice housewarming gift from their wholesale lender!   Most homebuyers and many real estate agents think lenders all have about the same prices. They are Wrong. This site is about joining the one in a hundred home buyers who really gets a great mortgage deal on their next home loan.     If you don't read on,     it could cost you     thousands of dollars.     You're going to need a loan, why not wholesale?... To understand the amazing benefits of a wholesale loan you need to know a few things about how loans are priced: First, the interest rate alone does not tell you much about the pricing of a loan. Just looking at rate without analyzing points and fees is basically useless. But this is what most lenders want you to do! Second, lenders want buyers to pay points so they routinely publish their interest rates showing two points. The truth is points are not a good deal for most borrowers. Third, the government has created two "yardsticks" to help homebuyers compare loans; the Good Faith Estimate and the Annual Percentage Rate. Unfortunately, both of these have their own problems. Fourth, Lenders have a strong desire to make loan pricing complicated, when it could be made much simpler. But, if it were simple, then the competition would drive profits down all across the industry. Fifth, everyday lenders are putting information on the Internet that is just plain wrong. This includes quoting interest rates and fees that are wrong.   One recent study showed that 40% of the mortgage sites posted incorrect information.   Sixth and finally, with retail lenders you can't really determine who will give you the best price until you have a purchase contract on a home and by then it is too late!     HOW WHOLESALE LOANS WORK: Where is the catch? Well, there is no catch. But it does take a little thought and preparation on your part. Basically you just need to understand a lender's other needs. Sure the final investor needs to make some money from your loan, but they also want to know you are going to make the payments. And, they want to know that the house that you are buying will make the loan a safe investment. This is one key. All lenders use appraisals to determine the current value of the property but, appraisers don't tell the lender how the value will change in the future. However, according to a recent study, using a buyer's real estate company gives you a better chance of buying a home that will appreciate. Or to put it another way, real estate companies who have homes listed are obviously trying to sell homes, even if they are bad investments. This is contrary to the lender's needs, so lenders need to make more profit to help cover their risks. Here is where you come in. If you use a real estate company who does not list homes for sale, you help the lender limit their risk. You can also help them lower their costs because the greater experience of a buyer's real estate company usually makes for a smoother transaction. This is the other key.   Larry and Wendy were preapproved with their local Credit Union because they were comfortable there. But when they started really comparing the loan pricing, they decided that they had better things to do with the $102.00 a month difference in payments the wholesale lender would save them.   It's All Under Your Control Buying a home and getting the advantages of a wholesale loan is not really difficult. To succeed in saving a chunk of money on your loan you only have to make good on four STEPS, each one directly under your control... STEP 1 -- Work with a buying specialist -- a real estate company who doesn't take listings. STEP 2 -- Get a pre-approval with the wholesale lender. STEP 3 -- When you sign a purchase contract on your new house, send it to the lender. STEP 4 -- When you close on your purchase congratulate yourself on joining the one in a hundred who really gets a great mortgage deal!   Getting a wholesale price on your loan can also be used to just get you a bigger loan and the same rate. If most lenders qualify you for a $150,000 loan, a wholesale lender can probably loan you between $165,000 and $170,000, using the same interest rate and same closing fees. Any way you look at it, a wholesale loan is a dramatically better deal! . Take Full Advantage of the Guarantee... Thinking that you should just spend a few days mortgage shopping on your own? Of coarse you can, but we are so sure you simply won't find a better mortgage deal that we offer a Double Your Money-Back Guarantee. A lowest price guarantee is unheard of in the lending business, but is completely possible since we really do have the lowest loan prices. Don't procrastinate... Don't "bookmark us to come back later"... Click here to fill out a quick form to start getting a wholesale loan.   If you are just starting to look for a home you are all set, but, what if you are a little farther along? Are you already tied to a real estate agent? or Did you already make an offer on a home? or Are you refinancing your current home? We don't want to frustrate you or make your current lender or salesperson mad at you. You just are not able to get the lowest wholesale prices. But, You are still eligible for a discounted price on your loan. These are not wholesale rates but they are some of the lowest in the industry. And, you get the same convenience and great service. And, a Money-Back Guarantee. Click here to fill out a quick form to start getting a discount loan.