Not all mortgages, and not all mortgage lenders, are created equally.  There is a misconception in the marketplace on the part of buyers who believe that all banks will provide them with the same basic loan plans given their credit profile.  Nothing could be further from the truth!

In reality, loan terms and their associated fees can vary greatly from lender to lender.  When it comes to mortgage lenders, bigger isn't always better!  Smaller lenders have much more flexibility with respect to the loan programs and terms they can offer to their clients.  They even have quite a bit of flexibility with respect to providing discounts on fees.

Kelly Chavez, a Loan Originator with C&T Mortgage, joins us to shed some light on the sometimes intimidating mortgage world.  Kelly can be reached at 281-787-2243.