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The Best Questions to Ask a Mortgage Lender!
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- Опубліковано 18 сер 2024
- In this video, we'll cover the best questions to ask a mortgage lender, including all-in costs, prepayment penalties, and mortgage interest rates. Whether you're a first-time homebuyer or looking to refinance, these questions will help you make an informed decision.
#mortgage #mortgagetips #askquestions
When choosing a mortgage lender, it's important to ask the right questions! In this video, we'll share the best 9 questions to ask your mortgage lender.
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When choosing a mortgage lender more is at play than merely the interest rate. Sure that's important and just as important, if not more so, is knowing about ALL of your home loan options.
Before chatting with a mortgage professional be sure to jot down the questions or simply refer back to this video for great questions to ask a mortgage lender.
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📒 Show Notes 📒
Tips for Finding a Great & Reputable Mortgage Officer
0:00 - Intro
0:55 - Be a Smart & Savvy Shopper
2:00 - Find a Reputable Lender
2:29 - How to Know if Your Lender is Reputable
Questions to Ask When Choosing a Mortgage Lender
4:07 - Based upon our goals, what loan options do you recommend?
4:48 - What is the Interest Rate?
6:05 - Do Your Offer Rate Locks & How Does it Work?
7:08 - What are Points & Did You Factor Them Into My Home Loan Quote?
9:24 - What are My All-In Costs?
11:18 - Does My Loan Have Any Pre-payment Penalties?
11:30 - Where Does the Underwriting Process Occur?
12:26 - How Long Does it Take You to Close on My Loan & What is Your Successful Closing Ratio?
14:47 - After My Home Loan Closes, Does Your Brokerage Sell My Note?
➜➜➜ Get in Touch with Me Here ➜➜➜
Andrew Finney Trusted Real Estate Advisor/ USMC Veteran S.0173260
www.andrewfinneyteam.com
King Realty Group 6955 N. Durango Drive
Suite 1004
Las Vegas, NV 89149
Disclaimers/ Credits:
At the time of production, Andrew Finney, S.0173260, is a real estate salesperson with BHHS, NV Properties in Las Vegas, NV. Andrew's videos are his own and do not necessarily represent the views and/ or opinions of BHHS, NV Properties. The purpose of Andrew's videos is to educate you and help you make sense of the real estate process. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. If you have questions about home loans, real estate, taxes, financial advice, real estate law, insurance, professional trades, or any other services, you are advised to reach out to the appropriate professional for further counsel about your own unique situation. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or any other and may be outdated or inaccurate; it is your responsibility to verify all information for yourself. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that is free from error. Linked items may create a financial benefit for Andrew Finney Team. Any use of other media is by fair-use or license only.
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The fact that us, new home buyers, are able to get such a valuable information and a great advice for free it just amazing. I appreciate you so much for taking the time to team us and advise us. I just began the home buying process and every time I come across a great video like yours, it gives me a great deal of knowledge so i am prepared to take off. Thanks
This is by far the most insightful, well-organized, and to-the-point home buying video I’ve seen. No BS, no UA-cam/vlogger corniness. Thank you so much for these videos. They’re perfect!
I like knowing exactly what to ask and what a good response should be for lenders, agents, all parties involved. Detailed, informative, and to the point. Thank you!
Value?: prepay penalties? Where does underwriting take place? Percentage of closing costs? I just implemented several things from this and other videos today and it was helpful in a big way!
I am doing my homework before we buy and I really loved the questions to ask the Lender. Every one of them because the more you ask the less you will be able to be taken advantage of as a first-time buyer.
I took about fourteen minutes worth of notes. I should not go wrong with these notes. Free knowledge. Thank you!
Most valuable information
Great job brandi robinson!
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Hey Andrew. Almost had a heartbreaking situation happen. My lender dropped the ball. The builder gave us a list of things to have done before closing. Well it got to that date. And my lender didnt have their stuff together. which cause delays in closing. which cause some friction between the lender and the builder. the builder ultimately decided to cancel my transaction. Leaving me without the home i watched be built for 4 month. Luckily for me the builder was open to me using their preferred lender to continue my transaction. And hopefully I'll be in my home in 2 weeks.
Who was the lender?
How's it going?
That sounds stressful! I"m glad things eventually worked out for you!
Inquiring minds want to know .. did you get in .. we hope.
"I hope they like that truck because they just lost their home" 😂 Great info here!
But it's a cybertruck 😭
🤣🤣🤣🤣
The most impactful thing about this video was you helping us know where to start when looking to buy a home. I will be a first-time home buyer and the questions you have given us to ask mortgage lenders are extremely helpful! I have written down every question and I am prepared for when I do speak to a lender. Thank you, sir!
Being a local lender is much more advantageous since they know, or should know, the local market; employment, income, demographics, loan limits, FTHB guidelines, etc... love the video, the only part I would scrutinize a little more is the selling of the loan. It happens all he time and makes for much more aggressive rates and product diversity. When the loan is sold, the terms and the rate stays the same, so why not sell it. In the grand scheme of things, they’re all packaged and sold on Wall Street anyway, just in a larger scale. Love the video, but a selling of a Lon versus servicing is most common and no one should ever worry about it being sold.
SEMPR FI! You left out the most important question( probably on purpose). How much are YOU MAKING on my loan!! Very important. Some brokers steer you towards loans that pay a higher Commish that may not benefit you but makes them more money.. They MUST disclose this info! Conveniently, he left that one out?? Do not trust any brokers!! I'm a broker!
Doesn't that get included with the fee
yas c What’s the difference you have to pay the fee! Do not be shy ask 1 million questions make sure you know where your moneys going they have to show it to you by law. I hate people getting jammed up. Read read read
I am a home mortgage consultant and every loan I do is via phone. In today’s technological age while face to face interactions are more tangible, I find that my clients really enjoy the flexibility and ability to do their mortgage start to finish with me over the phone and then close in person with their title company ect. There were some great points in this video if anyone has any questions feel free to let me know I am happy to help however possible. Thanks for sharing!
Hi Brandon Simmons,
Thank you for watching and for sharing with us!
Really appreciate you watching! Your the best!
Enjoy an amazing day!
Your Real Estate Geek,
Andrew Finney
King Realty Group
www.andrewfinneyteam.com/
First time home buyer here and I was referred to an agency that specializes in "stacking" down payment assistance programs by a Community Development Corporation that offered a free Homebuyers Education Workshop. I'm wondering what some potential major differences may be between them and a major bank like Chase because that's where my checking account is, if any at all
I’m here as a new loan officer just to make sure I’m able to service my borrowers to the best of my abilities! The experience thing killed me because I’m told I inform people much better then some MLOs that have been doing it for years because some things we are learning are just second nature to them!
Every expert was once a beginner.
With mortgage lenders as with real estate agents, I think experience is everything. I can't fathom why anyone would go to a boutique mortgage lender when the source of money is ultimately the bank, which has in house underwriters right there!! Better than going to a flashy brokerage house with lots of brokers who want a cut of your $$$. I went straight to a few banks. Legit service cutting out all the middle men who want a handout.
Thank you for sharing nuggets! As first time home buyer's completely lost. Now know the stepping stones to take.
Thank you so much I'm starting off in two weeks and I will share your video to all my subscribers on my UA-cam thanks again
thank you so much for all the important and useful information! THANK YOU EVEN MORE FOR YOUR SERVICE TO THIS WONDERFUL NATION! May You and Yours Be Blessed
Thank so much for the information. I spoke with my broker today and asked her all these questions and got the answers that I needed. This was very very helpful and neeeded at I start the search for a home. Thanks again!
The 9 questions to ask and the way you explained them, very helpful and just what I needed. Thanks!
Thanks sooooo much for breaking these questions down simply for me to help my Wife learn about this process
I liked the discussion of points. I recently been pre-approved and have been looking at the math of buying points and also came to the conclusion that it might only be worthwhile if you keep the loan for the full 30 years.
Outstanding and thank you for sharing with us Surreal Ryussen!
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The question helped a lot. I have a meeting with a lender and I’m coming strong with the question! Thank you!!!!
Dear Andrew,
Thank you for posting this video. As everyone knows how challenging the home buying process and all steps involved in it, but with guidance and tips it relieves lot of pressure that I can see as a first time home buyers. We will be buying our first home, so your tips and advice is very helpful to me. I am gonna ask all these questions to lenders to shop loans. I liked all your questions. All I would say keep up the good work to educate people like us. Have a great day.
Nipul
This entire video was so helpful! I'm wanting to buy my first house this year and I'm trying to educate myself on every step and where to start, what expect, ask, etc.. Thank you so much! :)
Megorium Good luck
This was very enlightening. I'm not a new home buyer, I've purchased a home and refinanced it previously... and you cleared up some things for me that other people never did. I know the right questions to ask now. The last go-around I chose my bank because I knew they weren't going to sell my mortgage. They had already told me that.. but I didn't know I could ask and get the truth. Thank you!
I have had several home loans over my life and they all have been sold to another company. Many of them before I even make the first payment. Never had a problem with them selling my loans.
This was beautiful! The last 3 questions were golden.
The list of questions you would ask the lenders was super helpful!
All good but why would I care if they sell the loan once it is closed?
Terrific question May DD!
In short, that's one variable that caused issues in with the collapse across multiple markets in 2008. It reached a point that homeowners didn't know who their service providers were, where to make their mortgage payments, and ballooning costs they the homeowner didn't agree to.
Even though, under President Obama, that Dodd Frank act was passed to tighten/ regulate the process, in my humble opinion, a lending company that services their own loans is a better bet than those that sale the mortgage note.
Wikipedia: Dodd-Frank Wall Street Reform and Consumer Protection Act en.wikipedia.org/wiki/Dodd%E2%80%93Frank_Wall_Street_Reform_and_Consumer_Protection_Act
Either way, it's something to consider. Some may care and some may not. You now which camp I'm in on the matter.
What would you like to watch next?
The last 1 was the biggest im thinking unless im mistaken. If my mortgage is sold or traded while im paying off my home, id imagine the new lenders would increase the interest rate🤔? Very sneaky business😞
Great video ; extremely helpful and insightful
Hi clevontimms24,
Thank you for watching and for sharing with us!
Check the show more description of this week's live stream timeline for the minute marker giving you a shoutout: ua-cam.com/video/_ahFDFELy-g/v-deo.html
What would you like to see next?
Enjoy an amazing day!
Thanks again for watching and commenting! =)
Chat soon,
Andrew Finney
www.andrewfinneyteam.com/
Yeah he goes to the point
Parent acts as lender to children ASA Huse Ts
EVERYTHING in this video was SO VALUABLE!!!
Hey Eboni! Thank you so much for watching. I’m glad you took so much value from this video. Just out of curiosity what would you like to watch next? Sending you positive vibes everything goes your way!
Everything was Very Knowledgeable 😊 thanks
Yay! Thank you, I'm glad you enjoyed this video. Sending you positive vibes everything is going your way!
Very informative. You really covered the essentials and gave a 1st time home buyer like me some useful tools going forward. Thank you very much.
Glad it was helpful Reginald!
Sending you positive vibes everything is going your way!
On a side note, if you're curious about what's happening in the current real estate market, here's a link to my newest video: ua-cam.com/video/reaGPfUQJ5I/v-deo.html
Video idea. Pros and cons of using the builders preferred lender. If you haven't already did it.
Took notes on all your tips..thank you!
Thank you for watching soknan horn! That's awesome! What would you like to watch next?
Thank you. I learned alot as i am getting started in thinking about getting a new house and selling the currant one. lot to navigate.
Your welcome Janice'! Thank you for watching!
To better help out, here's a playlist I created a few years about about how to buy and sell a house at the same time with 4 proven strategies you can use depending on on your situation: ua-cam.com/play/PLRT4sgnCVqNc0OGlXB8tBx9pjdXjky-Dr.html
What would you like to watch next?
#5!!! I want to know every cost pertaining to the closing of the home. I have heard of buyers not being an,e to close due to “pop-up” costs. You’d think 🤔 the damn Realtor or loan officer would advise beforehand. I don’t buy houses every day and I wouldn’t expect someone like me to know everything needed to complete a business transaction such as this!
That in and of itself would be enough for me to just get up and walk the hell out.
Hi Harry!
You're so right and I couldn't agree with you more! Transparency is the key (at least imho) as is open, honest, conversations.
Here's one of a few videos I created a while back about buyer closing costs: ua-cam.com/video/viofaNXQFiw/v-deo.html
What would you like to watch next?
Very helpful. A lot of questions I did not think to ask that I generally would ask of other businesses. Thank you.
Timeless content. Thank you, Andrew!
I took away that local lender may be better. I always assumed that a big lender would be best in terms of resources and rates. I liked the explanation of points, never understood the lingo but heard it often. Thanks.
Such an important takeaway! Getting the best mortgage is more than just the best rates. The lowest rate could still cost you money in the long run if it is not the best product for you :)
You are awesome Andrew 👍🏻. Every point here is worth my time here. You just got another subscriber 👍🏻.
Awesome, thank you Favour Grace!
I really appreciate your kind words and am super happy my videos are crushing it for you!
Thank you for joining our tribe! We're super excited to have you with us my friend!
What would you like to watch next?
Excellent video with an accurate information... I didn't hear YSP I was waiting for... anyway thanks 👍
you are the man Andrew!!! God sent!!!
Hi Algernon Brown!
Thank you for watching and for sharing with us!
Yay! I'm thrilled you enjoyed this video and very thankful for your support. You rock!
Btw... It's been great corresponding with you!
FYI... I go live every Wednesday at 10am PST to answer questions. =)
What would you like to see next?
Thanks again for watching and for commenting!
Enjoy an amazing day!
-Your Real Estate Geek, Andrew Finney
www.andrewfinneyteam.com/
Questions to ask the mortgage lender definitely helped
Your videos are very helpful! I like the way you explained the points buying system.
So if we go through the builder's lender, and not shop around for other lenders, is that still something you recommend? Thank you so much.
Thank you sooo much for this video, it's truly appreciated! Very well explained!
Glad it was helpful Aysya!
Sending you positive vibes everything is going your way!
On a side note, if you're curious about what's happening in the current real estate market, here's a link to my newest video: ua-cam.com/video/reaGPfUQJ5I/v-deo.html
Thank you soooo much for sharing the info.
I'm glad you enjoyed it Arsalan! Sending you positive vibes everything goes your way. 🤩
basically everything was impactful becuase this is the first into video I have watched! Thank you!
Enjoyed the video. I'm curious how can we trust the answer to closing percentage? Are there public records or do we have to just take their word for it. Great video. I like that you tell us to understand all of the potential fees that may be hidden. Also I like the first question where you ask, based on our goals, what do you recommend. I need to sit down and flesh out my goals. Thanks!
Hi Brandi,
Thank you for watching. Great questions!
To be honest, in part it will be what they share with you directly in concert with reviewing, specifically, the loan officers ratings and reviews from past client's that are likely on Google, Zillow, Yelp, etc...
Every top performing loan officer and real estate agent I know of ask their past client's to review them honestly. That's how we, as professionals, know how to continue improving our services and ourselves personally and professionally. =)
Yes Ma'am, please do sit down and get in touch with the reasons why you're buying your new home and why it's important to you along with your overall goals. Doing so will provide you with immense clarity and focus moving forward.
I'm super excited for you my friend! Yay!
Please circle back with us and let us know what you decide to do and how everything is progressing for you.
Thanks again for watching! Wishing you and yours all the best with perfect health and safety!
See you soon. =)
As the loanee, what do I gain from confirming my home loan is not sold to another brokerage? You said that the selling process is what lead to the 08 financial collapse but as a single home buyer, are there financial benefits or disadvantages to a broker keeping or selling my loan?
Amazing video!!! really and truly insightful.
I really learned a lot, thank you.
Thank you very much for all of your share knowledge and help and for being kind in the process
Hi Gustavo! Thank you so much for watching!
I'm super happy this video nailed it for you! Welcome to the Home Tribe Team!
www.hometribeteam.com/
If you'd like to see anything in specific, please let me know.
Sending you positive vibes for an amazing day! =)
Thank you for this. We have been facilitating reverse mortgages for over 10 years and are adding forward options to what we do and I found this helpful as I sort out how to approach the new loan products.
Number 9 for sure. I didnt know that they can sell my loan!?!
Great takeaway K D! What would you like to watch next?
From this video, i took out everything❤
INFORMATIVE ! 5 ******* RATING ! I will study this video.
Hi ray1983able,
Thank you for watching and for sharing with us!
Check the show more description of this week's live stream timeline for the minute marker giving you a shout out: ua-cam.com/video/z_uFEv2o7b8/v-deo.html
What would you like to see next?
Enjoy an amazing day!
Thanks again for watching and commenting! =)
Chat soon,
Andrew Finney
www.andrewfinneyteam.com/
Great Info I had no idea what to ask everything you said is helpful!!!!!!
Hi Destinee!
Thank you for watching. It's great to hear from you!
Super happy you enjoyed this video. Yay! Gave you a shout out in this week's live episode: ua-cam.com/video/gwSox6U0Mgo/v-deo.html
Thanks again for watching!
Enjoy a beautiful day!
Thanks,
-Andrew Finney
www.andrewfinneyteam.com/
great video! .. i have a question on an experience i had..I got a CTC on a loan while insurance was re-rating , 2 months later insurance comes back and states insurance is $500 a month ?!? when the borrower closed with $35/month.. is this legal even though they closed their contract with a much lower rate ? lender does not want to assume responsibility??
Awesome video and how generous of you to offer to answer questions. The knowledge and list of questions lets me know I have a lot to learn in a few short months. Thanks for the red alert.
Thank you for this informative content!
This is great info. I am assisting my brother with purchasing his home and I will forward this video to him.
Awesome shan4short! 🔥
Btw... You might want to let him know I'm going live 3x per week at 9am PST on M, W, F. On M, W I have a loan officer on with me. We're talking about the hot topics in everyone's mind. 🤔
Thanks again for watching this video and for sharing too.
You're the best! 🤩
Great video. Very clear and profesional.
thank you. a question off topic. I'm going to start the homebuying process soon. I'm planning on paying the mortgage twice a month instead of 1. how long is it gonna take me to pay off the loan?
Lots of great info!
Glad it was helpful Mufin Makes Music!
What would you like to watch next?
3 Easy ways to help our tribe grow:
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So very helpful thank you so much
Exellent thanksss points information was very helpful for me
Thank you Katya! I'm glad this video was helpful to you! Yay!
What would you like to watch next?
Sending you positive vibes everything is going your way!
Great info! Thank you!
Extremely helpful !
What took from this video is having a 6month to 12month game plan.
Thank you! I really appreciate this valuable information
Andrew I have a question in your experience would you happen to know 2 questions? 1st who is the best and honest lender in Jefferson county Missouri. And 2nd who is the best honest reality in Jefferson county Missouri. Only reason I ask is you really can't trust the internet anymore with the internet neutrality with Agencies basically making their customers write a good review and the same with loan agents. It's hard today with all the False information out there. I'm looking to buy a house but with the market being crazy pricing houses that I know are valued at 140,000 being priced at 220,000 you just don't want to buy. It's extremely easy to find the value of a home but extremely hard to find an honest loan company or real estate agent or company to give a honest price or rate they end up making the purchase to where you end up paying every person involved in the transaction basically paying all their mortgages it's getting out of hand.
Really appreciate all the info your providing! Extremely helpful to us buyers! And those new to purchasing homes.
I really appreciate this video, so many great points made. Thank you!
I didn’t know rate locks were a thing! Super helpful! I’m moving states so that be so helpful!! Thank you
great video thank you sharing all this information
Truly a great video. Very educational. I appreciate it. Thank You 🌼
Great video. I'm dealing with a pretty good lender but their communication skills are a bit lacking, at least the LO i'm dealing with seems to be lacking. I always get the sense that she's really busy, which is understandable, but I feel a bit neglected because of it. I can usually prod the info out of them with an email or phone call, but I really wish they'd call me or email me as soon as they get an update on something, even if it's not a major event.
They've been great with asking for whatever they need for underwriting, signing papers etc, but like with right now we're waiting for the USDA RD approval and they haven't really said anything to me for a week. So I call them yesterday and they say 'oh yeah we called them this morning to see their turnaround time and they said they should have it done tomorrow". I wish they would've let me know that. Right now we're 2 days out of closing and still haven't gotten the USDA approval, so I'm slightly panicking and just trusting that the lender/usda/title company communication is wide open and coordinated behind the scenes.
I'm sure they got it all figured out, it's a very reputable company and in the top 5 of USDA approved lenders. I just wish they'd keep me more updated on what's going on.
Hi PeabodysParadise,
Thank you for watching and for sharing your situation with us.
That makes a lot of sense. You've hit the nail on the head in so many ways with this comment. That's the reason why I'm in real estate, to provide exceptional service to folks with the largest investment many of us ever make, our home.
I've shared your comment with many people already about the importance of communication. Whether its bad news or good news, any news is better than no news!
Right there with you!
Have you close on your new home yet?
What would you like to see next in a video?
Thanks again for watching!
Enjoy a great day!
Thanks,
-Your Real Estate Geek, Andrew Finney
www.andrewfinneyteam.com/
How did your loan turn out?
It was ALL good. Thank you so much!!
Thank you for this awesome video! Very educational!
Very informative! Thank you!
Hey Stephanie! Thank you so much for checking out this video. I’m glad it nailed it for you. Quick question, what would you like to watch next? Sending you positive vibes everything goes your way!
Great Video! just had one question about the points explanation. I was a little confused when you mentioned that points were 1/8th of a percent, because a few seconds later it seemed like the points became 1%? Maybe I'm just misunderstanding though, but some clarification would be greatly appreciated!
Do you have a video reviewing and explaining a loan estimate and closing disclosure? If so, link?
Hi Chris, hope you were able to find something helpful! It can definitely be confusing. If you are still looking, there is a great video here ua-cam.com/video/ZLC6b5aVs1U/v-deo.html and we've also made a video to help compare lenders here ua-cam.com/video/dzxUtgMDQH0/v-deo.html. Hope that helps!
🖤Thanks I asked my lender these questions!!!
Bestest video ever!!!!!!! I am armed with informational
When I talk to an lender they give me a quote with the estimated monthly mortage payment ( including pmi,insurance , etc)
And the hazard insurance is a different price at ever lender I’ve been to & I’ve seen that it really affects the total mortage payment. My question is do you pick your home insurance or does your lender ?
( I live in Florida )
Hi Amber Rose!
Thank you for watching. It's great to hear from you!
Super happy you enjoyed this video. Yay! Great question! Answered your question in this week's live episode: ua-cam.com/video/gwSox6U0Mgo/v-deo.html
Hope to see in the next live session. I go live every Wednesday at 11am PST. =)
Thanks again for watching!
Enjoy a beautiful day!
Thanks,
-Andrew Finney
www.andrewfinneyteam.com/
Who would you recommend in the Kingwood Texas area?
I live in Maryland, I pick.
Is it a good idea to visit a handful of loan officers before deciding on who we’re going to ultimately choose ? ? ?
How does a mortgage company selling your loan once it’s closed affect the buyer?
Hi Korede Fanilola,
Thank you for watching and for reaching out! It's great to hear from you!
I gave you a shout out and answered in your question in this week's live episode: ua-cam.com/video/SATE5UrQ_ds/v-deo.html
Join us live every Wednesday at 11:30am PST. See you soon!
Enjoy a fantastic day!
Thanks,
Andrew Finney
www.andrewfinneyteam.com/
I like your face when you talk about the ups and downs
Lol.... Thank you Joseph, I think!? lol...
Really appreciate you watching!
What would you like to see next?
I'm going live 3x per week at 9am PST M, W, F with other top agents around the USA talking about the hot topics, if you'd like to join us, here's the link to the playlist: ua-cam.com/play/PLRT4sgnCVqNecugVWsOgYPoEH0IXc-Tm4.html
great tips! insight on what questions to ask! how to what a good loan officer would look like on paper.
Glad it was helpful and thank you for reaching out to me the other day. I sent you a personalized video message earlier this afternoon. Looking forward to helping out however I can. =)
Thank you for this very informative video. This is a great help to me.
Hi Andrew -- I have the ammunition to ask the loan officers now...this includes Bill - LOL. Thanks for the tutorial.
Thanks your video was very helpful.
Question
I was to purchase a hoiuse in Jamaica (my first and as an investment and later live in after retirement in 10 yrs) are there any mortgage company in the US who offer loans for this?
Thank you!! Wonderful content!
Thank you! Good information.
You're welcome Tatiana! Thank you for watching. What would you like to watch next?
Awesome info. Thanks for the details.
Great video. Thanks.
My grandmother passed away in October her house has had a loan took out on it.how many payments can u miss before the bank takes the house and. How do I take over the payments
Hi Christopher Bailey,
I'm very sorry to hear about your Grandmother's passing. I'm sending you and your family positive mojo and healing vibes as you remember the wonderful times and rejoice in celebrating her life, just as she probably would want ya'll to do.
That said, one can only miss 3 mortgage payments before a notice of default is filed against the property. That's the beginning of the foreclosure process.
Call the bank to see how you can assume the mortgage payments, it may require you to take out a loan in your name. If you're not getting anywhere with them, it may be wise to contact a real estate attorney in your area to help you.
Wishing ya'll all the best for a favorable outcome moving forward! =)
I was told I couldn't lock a rate until I put in an offer on a home. Is that normal?
Great video ! Thank you