Why would you work with any other Auburn Hills mortgage company than Gem Home Loans? We won’t confuse you with a bunch of useless industry jargon, and we won’t try to force you into pursuing a loan that’s not in your best financial interests. If you’ve worked with other mortgage brokers, there’s a good chance you were extremely disappointed. That loan you got really damaged your overall financial health. That won’t happen when you choose Gem Home Loans.

Finding the Best Mortgage Company

Auburn Hills Mortgage CompanyTrying to buy a home can take a big emotional toll on some people, filled with weeks – or even months – of stress and worry. At Gem Home Loans, we don’t think that’s the way the homebuying process should be. Instead of stress, people should feel excitement about the new chapter in their life they’re getting ready to start. When we work with clients, we try to take all of the stress, uncertainty and frustration out of the process.

But while we think we should be the first ones you think of when you’re looking for a mortgage company, we understand that you might want to shop around. Here’s some information that will help you ultimately make the right decision.

  • Boost your credit – Probably the biggest thing you should do before even starting to look at mortgage companies will be to get your credit score as high as possible. If it needs some work, you could be looking at a ridiculously high interest rate. While this isn’t going to be an overnight process, the effort will be worth it. Making payments on time, along with paying off your high-interest debts, will go a long way toward boosting your score.
  • Compare, compare compare – There are a lot of different mortgage companies, of course, and they will oftentimes offer different rates. Something as seemingly minor as a couple of percentage points could make a huge impact over the long run. You have the power – remember that. Negotiate the best rate you can. If a mortgage prover won’t meet your demands, move on to someone else.
  • Ask questions – A lot of people find it hard to ask the tough questions when shopping for a product or service. This is true whether they’re looking for a doctor or a lawyer, or they’re shopping for a new car. Choosing a mortgage company is a huge decision. Don’t be afraid to ask whatever questions you like. Find out how good of a job they communicate – how quickly they respond when you have concerns. Find out the fees you’ll need to pay, such as commission, loan origination and application fees.

These points, of course, just scratch the surface of what you’ll need to consider before choosing your mortgage company. You should also talk to people you trust who may have recently purchased a home. See what they think about the companies that are on your list. Look online to see client reviews. The more research you do, the more confident you’ll be in your ultimate decision.

At Gem Home Loans we truly believe we’re the best Auburn Hills mortgage company. Feel free to put us to the test by giving us a call at (248) 780-1030 or using our convenient online form.