There’s almost no advantage in going to your bank. Even though your bank may know you and have some of your information, every loan must go through a strict list of current information due to lending regulations. So, your bank will request all the same information as any other lender. These days, the loan will not usually be processed locally, but at a large processing center. I can look for the best loan rates for you, and we can compare.

For 5 minutes of your time, Dan the Man can tell you if the rate and fee offered by your lender is the best mortgage rate or not. So often, the rate may sound good, but Dan the Man often has access to programs and extremely competitive rates and fees that you may not be aware of. Let’s see if we can even help you obtain a lower rate with your existing lender. Call us.

No, Dan the Man does not need this information. That will be provided directly to the lender. Email us with your basic information. We’ll still be able to find the best loan rates.

Maybe. Each loan is different, so there are no guarantees another lender may approve the loan. But, we know a lot of lenders with all levels of loan standards. Oftentimes, borrowers that have applied at a strict lender need to apply at a smaller, less conservative lender. We know less conservative lenders that still have the lowest loan rates.

Probably. Borrowers have called Dan the Man throughout the loan process asking for help. Dan the Man can tell you if we can help obtain a lower rate and fees. One borrower called when loan documents were being sent, asking for help. Dan the Man helped the borrower find the best loan rates, and reduce their fees $4,000 on two different refinances. Call us today.

Dan the Man has relationships with community banks, big banks, mortgage companies, credit unions, boutique lenders, brokers, online lenders, and other lenders. We help you navigate and narrow the choices to a few, based on quality of lender, lowest rates, and track record to find you the best loan rate.

Yes, Dan the Man provides you with education and suggestions for when to lock, and when to walk. Dan the Man has 25 years of experience watching rates, analyzing trends, and helping borrowers to take advantage of the lowest loan rates at the right time.

Realtors benefit because Dan the Man​ saves them time, and the realtors’ closing rates are generally higher because we educate and help the borrower through the loan process. The realtor does not receive any money from the lender or from Dan the Man. The realtor is less involved in their clients’ loan process —such as helping them compare loan programs, rates, fees, etc. — and more involved in finding the best home for their clients. Dan the Man connects happy homebuyers with quality, veteran loan officers at lending institutions with the best loan rates.