re: Mortgage Question

I'm a broker here in BR, gmfs is one of my lenders but on the wholeside side, the gmfs side branches are retail, just like nola, they can still charge you origination/points, processing, application and even a credit report fee. I see it all the time when buyer send me their fee sheets.

a good loan officer can quote you a rate without pulling your credit, all we need to know is your middle credit score and how much you plan to put down, your credit score will determine your rate and loan program. what kind of down payment are you putting down. only time we lose to the bank is when one is loyal to them.

when comparing fee sheets don't look at what total closing will be because we don't know what your taxes, homeowners premium and title fees will be. only item to compare is the rate and if they are charging you junk fees.
hope this helps