Hard Truths

Think the lowest rate quote means the best mortgage deal? Not so fast! Just like in sports, where practice matters more than excuses, in real estate the truth matters more than clickbait numbers. In this episode, we tackle the “hard truths” buyers need to hear—especially when comparing lenders. From misleading estimates to hidden costs like impounds, prepaid interest, and HOA fees, we break down the questions you should ask to make sure you’re comparing apples to apples and setting yourself up for a smooth closing. Tune in to learn how to separate fact from fluff, protect yourself from costly surprises, and choose the right lender with confidence.

We cover:

• Why some rate quotes look better on paper—but aren’t telling you the full story
• The must-ask questions to ensure your loan estimate includes all fees and costs
• How timing your closing date can change your prepaid interest, property taxes, and HOA charges
• The pros and cons of impound accounts and when you might have a choice
• Why working with a local, experienced lender can save you headaches (and money)

🎙️ Don’t miss next month’s episode for Part 2 for more hard truths!

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