还有买房过程中，appraisal 出问题，等等，各种各样的意外，逼得buyer要找两个贷款AGENT同时做 就我自己的亲身经历来看， 当我的第一个loan agent 知道我找了一个back up loan agent以后，她主动免费为我float down rate. 然后第二个loan agent也立马帮我match, 等于他们两个人竞争，那肯定对消费者是有利的。 本来buyer就是甲方，就应该享受甲方的待遇。 很多时候loan agent 把buyer 当成了乙方，好像自己才是甲方。 是时候turn the table了。
Advantages of applying with multiple mortgage lenders Fact: Nearly one in ten home purchase applications are denied. And 13% of all refinance applications are denied. If so many mortgage applications are turned down, a little “insurance” could translate into a lot of peace of mind. This is especially true if you have less–than–perfect credit. Another reason to shop around is that mortgage programs, closing costs, interest rates and service can vary significantly from one lender to the next. Obtaining more than one loan approval allows you to test the waters with lenders and compare Loan Estimates. And that’s not empty advice. This strategy is proven to work. The Consumer Financial Protection Bureau (CFPB) says that if just 20% of homebuyers would get an extra quote, they would collectively save $4 billion a year due to increased competition between mortgage lenders. https://themortgagereports.com/26611/can-you-apply-for-a-mortgage-with-two-lenders-at-once
有贷款AGENT说：贷款后期被拒？不可能！
但是人家官方统计说有10%的被拒， REFI有13% 被拒。
其实如果能顺利贷到款，大部分人也懒得去折腾什么同时找两个loan agent 一起做贷款。
还不是被那种10% 的概率给吓的。
还有的贷款AGENT答应的好好的，结果仗着自己独家，buyer不能放弃买房，结果任意给buyer 加 points，也不告诉buyer,
还有买房过程中，appraisal 出问题，等等，各种各样的意外，逼得buyer要找两个贷款AGENT同时做
就我自己的亲身经历来看，
当我的第一个loan agent 知道我找了一个back up loan agent以后，她主动免费为我float down rate.
然后第二个loan agent也立马帮我match, 等于他们两个人竞争，那肯定对消费者是有利的。
本来buyer就是甲方，就应该享受甲方的待遇。
很多时候loan agent 把buyer 当成了乙方，好像自己才是甲方。
是时候turn the table了。
Advantages of applying with multiple mortgage lenders
Fact: Nearly one in ten home purchase applications are denied. And 13% of all refinance applications are denied.
If so many mortgage applications are turned down, a little “insurance” could translate into a lot of peace of mind. This is especially true if you have less–than–perfect credit.
Another reason to shop around is that mortgage programs, closing costs, interest rates and service can vary significantly from one lender to the next. Obtaining more than one loan approval allows you to test the waters with lenders and compare Loan Estimates.
And that’s not empty advice. This strategy is proven to work.
The Consumer Financial Protection Bureau (CFPB) says that if just 20% of homebuyers would get an extra quote, they would collectively save $4 billion a year due to increased competition between mortgage lenders.
https://themortgagereports.com/26611/can-you-apply-for-a-mortgage-with-two-lenders-at-once