Achieve the Lowest Interest Rate Available

ello, this is Easy Money Mortgage Company. What can we do to you today ... I mean . . . for you today?" The caller responds, "Can you tell me the best rate you can give on a 30-year mortgage?"

Readers, please remember: Never "dial for dollars" when you shop for a mortgage. You set yourself up for fleecing.

"Okay," you say to me, "if that approach doesn't work, what does?" I'm glad you asked, because that's the question this chapter answers. To start, let's look at interest rates from the lender's perspective to see why and how loan reps might underquote yet overcharge.

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