Deborah Kniss
Phone: (805)371-9800   |   CA DRE# 01033030
Selecting the RIGHT Lender

Finding a mortgage lender is not a problem. Selecting the RIGHT mortgage lender who will help you find the best loan product for your situation even if it means sending you to another lender is paramount.

Doing business with a full-time professional who specializes in residential loans like you’re trying to get is important. You want the loan officer to be familiar with local conditions, values and practices.

It’s to your benefit to have a loan officer who has the experience to put the unusual transaction together even if yours is not.

Here are a few questions that will be helpful in selecting the right loan officer.

  1. What percentage of your business are FHA & VA compared to conventional mortgages and how long have you been doing them?
  2. What percentage of your loans close on time according to the sales contracts?
  3. Will my credit score affect my interest rate?
  4. Will you help me select the best loan product for me regardless of your commission?
  5. Are there prepayment penalties on any of the loans we’re considering?
  6. Are there any restrictions on refinancing any of the loans we’re considering?
  7. When is my loan rate locked-in? Is there a charge for that?
  8. Is your loan underwriting in-house?

With over 26 years of experience in closing transactions, I can be a source of information and can recommend a trusted lender. If you have any questions as to what kind of answers you should expect, please give me a call.


RE/MAX Olson & Associates, Inc
Kniss & Alaniz Real Estate Services, Inc.
280 E. Thousand Oaks Blvd. Suite G • Thousand Oaks, CA 91360
Phone: (805)371-9800 • CA DRE# 01033030

Thousand OaksWestlake VillageNewbury Park

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