Before You Enter Your Information on a Mortgage Website, Know Where It May Go
Mortgage rate websites can be useful research tools, but many also operate as marketplaces that connect consumers with participating lenders or mortgage professionals.
Talk Directly With David BraunMortgage Shopping Online Has Changed
When homebuyers search for mortgage rates online, they often land on large national websites that display mortgage rates, lender offers, comparison tools and advertising.
These sites can be helpful for research, but consumers should understand that some mortgage marketplaces also collect contact information and connect borrowers with participating lenders or mortgage professionals.
How information is handled varies by website, so borrowers should always review the privacy policy and disclosures before entering their name, phone number, email address or financial information.
You Have Another Option
Go directly to a local mortgage professional.
When you contact David Braun directly through DavidBraunMLO.com, you are contacting David directly rather than beginning your mortgage journey through a national comparison marketplace.
The goal is simple: talk about your situation, understand your options and build a mortgage strategy before you apply.
Popular Mortgage Rate Websites & Research Resources
Consumers often use the following websites to research mortgage rates, housing trends and financing information:
Zillow Mortgage Rates
https://www.zillow.com/mortgage-rates/
Bankrate Mortgage Rates
https://www.bankrate.com/mortgages/mortgage-rates/
LendingTree Mortgage Rates
https://www.lendingtree.com/home/mortgage/rates/
NerdWallet Mortgage Rates
https://www.nerdwallet.com/mortgages/mortgage-rates
Realtor.com Mortgage Rates
https://www.realtor.com/mortgage/rates/
Forbes Advisor Mortgage Rates
https://www.forbes.com/advisor/mortgages/mortgage-rates/
Freddie Mac Primary Mortgage Market Survey
https://www.freddiemac.com/pmms
Consumer Financial Protection Bureau Mortgage Rate Tool
https://www.consumerfinance.gov/owning-a-home/explore-rates/
These third-party websites are listed for educational and research purposes only. David Braun is not affiliated with or endorsed by these companies. Their rates, privacy policies, lender-participation programs and information-sharing practices can change.
An Advertised Mortgage Rate Is Not the Whole Story
The lowest mortgage rate shown on a website is not automatically the lowest-cost or most appropriate mortgage for every borrower.
The true cost of a mortgage can depend on:
- Interest rate
- APR
- Discount points
- Lender fees
- Closing costs
- Credit profile
- Down payment
- Loan-to-value ratio
- Mortgage insurance
- Property type
- Occupancy
- Loan program
- Rate-lock period
Two lenders can advertise the same interest rate while offering very different overall costs.
Why Work Directly With David Braun?
David Braun began his mortgage career in 1997 and brings years of mortgage-industry experience to today's homebuyers.
DavidBraunMLO.com was created to help Chicagoland borrowers understand the mortgage process before making one of the largest financial decisions of their lives.
Build Your Mortgage Plan Before You Apply.
The site provides mortgage education covering FHA financing, conventional loans, first-time homebuyer guidance, mortgage preapproval, self-employed borrowers, Chicago mortgage-market updates and the complete homebuying process.
Instead of simply looking at a rate on a screen, you can talk directly with an experienced mortgage professional about the entire financing picture.
Before You Submit Your Information Anywhere, Ask These Questions
- Who will receive my contact information?
- Could multiple lenders or mortgage professionals contact me?
- Am I dealing directly with a lender or using a comparison marketplace?
- Is the advertised rate based on my actual qualifications?
- Does the rate require discount points?
- What is the APR?
- What lender fees apply?
- What are the estimated closing costs?
- What loan program is being quoted?
- How long is the rate lock?
Local Mortgage Guidance for Chicago & Chicagoland
DavidBraunMLO.com is designed for borrowers throughout Chicago and surrounding Chicagoland communities, including Cook County, Will County, DuPage County and nearby Illinois communities.
Whether you are researching an FHA loan, conventional financing, first-time homebuyer options, mortgage preapproval or financing as a self-employed borrower, the goal is to understand your options before choosing a mortgage.
Before You Fill Out Another Mortgage Form...
Start with a conversation.
Talk directly with David Braun about your homebuying goals, mortgage options and financing strategy.
Visit DavidBraunMLO.comYour Home. Your Future. My Commitment.
Continue Your Mortgage Research
Visit DavidBraunMLO.com for information about Chicago mortgage rates, mortgage preapproval, FHA loans, conventional mortgages, first-time homebuyer programs, self-employed borrowers and the homebuying process.