Christopher Cavazos - Mortgage Rates & Fees | Quicken Loans

Hi, my name is Christopher Cavazos - I'm a President's Club Banker here at Quicken Loans. I wanted to talk to you today about getting an accurate rate and fee combination. A lot of times, throughout the last six years I've been here at Quicken Loans, I've talked to clients that are a little hesitant about giving out personal information. I myself completely understand about what is involved in the loan process and there's a lot of different things that, you know, I have the knowledge about and have to impart onto my clients to obviously get someone to understand why we get the information that we need. The big things to keep in mind are every loan is specific to each client. No one receives the exact, you know, rate and fee combinations from one loan to the other. There's a multitude of ways you can price out a loan - whether you're taking cash out, whether your credit score is 700 to 720, the state you're in, the states guidelines. So giving us the ability to take a look into your specific situation, maybe stepping a little bit out of your comfort zone to allow us to put together the best financial solution is going to result in us not only being able to define whether or not the loan makes sense but then at that point put together numbers that are based on exactly what you want to do versus just quoting you a rate which effectively is not going to be the best way. You know decide on which lender you want to work with - even decide to work with us - the bottom line is ...



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