How do I find the best deal when getting a home loan?

A.  Your decisions about a home loan can translate into thousands of dollars over the life of your loan.  Request quotes from lenders and follow these tips to get the best deal on a mortgage:

  • Stay confidentand ask for clarification of items you do not understand.
  • Ask to see different options for down payments and term of your loan
  • Interest ratesare critical to you getting the lowest possible mortgage payment.  The interest rate you get is partially based on your credit score, but know that interest rates change on a daily basis.  You have the power to decide whether to lock-in the current rate at the time you submit your loan application or take the chance that it might float down during the processing period.
  • Carefully analyze disclosures and estimated costs provided by the lender. 

You deserve fair rates and extremely good service from the lender who gets the opportunity to earn your business.  Let us know if you need help and we can recommend a few mortgage lenders to contact.

If you have questions, or need capable and trustworthy representation, please contact us: [email protected] |

About the Author

Brandon Lau grew up in Kailua and currently resides in Honolulu with his wife Andee and children Caylah, Elijah, and David. His eighteen years in real estate led him to become a Partner at ChaneyBrooks Choice Advisors. Over the past 10 years he has developed the team and systems that has created a high level of service and value for his clients.

What differentiates Brandon and his team is his consultative approach to real estate. He advises clients with relevant data and expert insight to help them make the best choices in real estate. Good choices in planning for long term dispositions, negotiating for the best price or knowing when not to pursue an investment are ways his consultative services will give you an advantage in the marketplace. His bottom line is providing service with the utmost integrity and expertise.