URGENT! Exclusive Invite: Join Premier Coaching for FREE! You read that correctly, Premier Coaching for the first 30 days is 100%, no strings attached FREE. Here is what you get: DISC Personality Test, Seller and Buyer Scripts, Presentations, Lead Generation Systems, Market Shift Plan, Real Estate Treasure Map, Members Only Community Groups (and a ton more). The best part is you will have a DAILY Live Coaching Call with a Harris Certified Coach. Yep, you read that correctly….every weekday you will attend a semi-private coaching session with your coach. All of this is 100% FREE. Of course, you want to join Premier Coaching. There is Zero Risk and joining costs you nothing. This is the Real Estate Success system you need in this quickly changing market. Join Premier Coaching NOW. We all know the market is shifting (has shifted for some) and that with this, you must also shift your skills. The days of assuming your buyers (or the buyers of your listings) are simply going to get a super low rate with 20% down on a 30-year fixed are over.   Upgrade your mortgage knowledge so you'll be able to counsel your buyers, the buyer's agent, and sometimes even the lender. You don't have to know how to do loans yourself, but you DO need to know what questions to ask of the lenders you're dealing with. Questions to ask any mortgage lender you're working with: 1 - What types of loans does your company specialize in? 2 - What other types of mortgage loans do you offer?  Adjustable-rate mortgages? Conventional? Jumbo? Stated income?   3 - Do you keep any of the loans or are they all sold on the secondary market? A lender who keeps loans is called a Portfolio lender. Some will keep 100% of the loans 'in-house', and others only keep certain types of loans in-house. Portfolio lenders are sometimes more flexible with their requirements. 4 - Do you do FHA, VA, and first-time buyer mortgage loans? 5 - What is your average processing time from application to close? 6 - What are your lender overlays? 7 - Do you offer rate locks and do they include a float-down feature? How long can a borrower lock their rate in? What does it cost to extend the rate? 8 - Do your loans come with an 'assumable with release' clause built-in? 9 - Are there prepayment penalties if the borrower wishes to refinance or pay the loan off early? 10 - What is the cost to buy down the interest rate by 1%, 1.5%, etc.? 11 - What are your credit requirements for your lowest interest rate loans?   12 - When a borrower is denied approval due to their credit, do you disclose to them the specifics of why that decision was made? (Note: by law, they are required to do so). 13 - When in the process do you actually check the buyer's credit and what is the system you use to do so? Do you re-check prior to closing?