Many people want to know, “What are rates today?” –
To accurately answer this question depends on several factors, including:
- Are you looking to see if rates have come down enough to make refinancing worth it?
- Or are you looking to know the best possible rate and terms for your unique situation?
- Do you plan to pay points?
If you don’t know the answers to these questions, no problem – as a client advocate, we can help.
For a general rate quote, call one of our licensed Home Loan Advisors today so we can give you the best rates from 30+ lending sources.
If you want a custom quote , or to discuss loan options or strategies, give us call or get in touch for a complimentary Total Cost Analysis (TCA) today.
With a TCA, we can compare rates and term options to achieve the best possible outcome for your unique situation so the factors that should be considered before you close on a loan are clearly presented. Making an informed decision gives peace of mind and avoids unnecessarily paying tens of thousands of dollars, or more, over the life of your loan.
Why work with us?
At Ritter Mortgage, we are committed to providing accurate, clear, and transparent loan information and loan comparisons.
As a broker, we work for you, not the bank. Once the difference between a broker and a banker is understood, 93% of people report that they would rather work with a broker. That’s because as a broker, we have access to loans from multiple lending sources, including banks, credit unions, and niche lenders, and are always willing to take on new ones when their rates or products are beneficial to our clients. We get rates at wholesale, which means you don’t pay for our service, the bank does – for bringing your business to them.
Why we don’t quote rates online:
The bottom line is, advertised rates can be confusing. That’s because in order to catch your attention, lenders need to appear to have the best deal, even if you don’t qualify for the loan, or the associated costs don’t make it the best option in the end. To avoid this, our Home Loan Advisors are available to give you the accurate information you need. Give us a call or book your TCA today!