Ok, if you’ve ever refinanced, you’ve probably wondered at some point just what the hell goes on between the time you complete an application and the time your loan funds. I mean, if you’ve had a half-way decent loan officer, he or she has probably given you a little insight, but nowhere near what I’m [...]

Because both lenders and brokers will lie to you.
Because Interest Rates Change Every Day, Sometimes Several Times A Day.
Because You Really Don’t Know Who You’re Talking To.

It’s true, rate shopping can hurt your credit score. “But why should I be penalized for being a sophisticated investor trying to find the best deal?” Well, the short answer is you won’t be; the long answer is you will. Ok, that wasn’t so long, but keep reading.