Welcome to Mortgage Consulting Service

AVOID at all costs the following lenders:

Bank of America-You will be wasting months and never get a good rate or approval.

Wells Fargo-Poor service

Cash Call-Legit but steers you into cash out loans.

Quicken-High rates, little flexibility, little competence with difficult loans and the "Rocket Mortgage" is a marketing ploy! They do not have real Loan Officers but rather shift you along in an assembly line fashion.

• Always shop locally for mortgage brokers first.
• Compare rates online before shopping
• Never let a lender tell you not to make your monthly payment unless they promise to pick up any late fee.
• Watch for "junk fees" like processing, underwriting, review and administrative fees. These are fees that are part of doing business and added to pad profits.
• If using a mobile Notary for your closing, make sure they are a very experienced "closer" and not a common notary with no title or mortgage background.
• Never pay to extend a rate lock when the lender is the one who did not get the process done in time.