Lakeland FL home loans need not be confusing or stressful. Home loans come in many types, they love to use strange names and cost us all money. Those are just a few reasons so many people know so little about them. The good news is there are professionals out there who specialize in home loans. A great mortgage loan officer is a tremendous asset when making a purchase.
There are several ways to get a home loan in Lakeland FL or in the United States. Often the shortest path or easiest way to get the loan seems that way because it actually ends up costing you more money in the long run. Millions each month just type in the name of a bank or lending agency seen on television and place their blind trust in them. As a realtor I have seen this many times in my career and to often it does not end well.
What I like to see in a great loan officer is communications, schedule keeping skills and honesty. Rarely do I ever see a loan officer who comes to a residential closing. Although there should not be a need for their attendance I still think it is appropriate when their schedule allows it.
A mortgage loan officer who works at a local bank may process 30-50 loans per month. These loan officers are good at what they do but difficult to catch on the phone. You may even find they push the simpler loans which create them the least amount of work. I still prefer these over loan officers who you will never meet in person. We are human and identify things and make judgements using our senses. The more of our senses involved in a relationship the more information and feeling you get about the persons intent. Over the phone you just can not read a person or their intent as well. They are all trained to be friendly.
I have a suggestion for you to try. Contact Victoria Duvall who is a local realtor and mortgage loan officer. Having Victoria as either a loan officer or realtor will help assure you you have a involved and knowledgeable representative. A loan officer who understands real estate, or a realtor who has a great amount of knowledge about home loans. Victoria will address any concerns you have and ask you the appropriate questions. Then she can provide you the best options for you to choose from. It's just a phone call. Try talking to her about your Lakeland FL home loan, refinance etc.