Please email us with any questions, even questions you'd like to have answered on the show! Just email [email protected]. We want to help you!Alan Garbacik at Stockton Mortgage talks about the difference between a broker, a lender, and a bank.The bank is going to take deposits, give you different types of loans, and can offer you a mortgage. They usually keep that mortgage and only have one source for shopping for interest rates, costs, and fees. The broker only does mortgages, they send all of your documents and files to a bank they choose, and they shop around."A direct lender, eg. Stockton Mortgage, sits between banks and brokers, and we have our own mortgages we lend money for, and we keep them at Stockton Mortgages. We have 12 - 18 banks we can shop year-round as well. We lend money directly to consumers and oversee the whole entire process, from the consult to underwriting, to processing."To connect with Alan on ALL of your mortgage questions and needs!Alan on Stockton's websiteConnect with Alan on FacebookConnect with Alan on LinkedIn(248) [email protected] D Davis talks about listing a house and what to look for in an offer from a buyer. Brenda says she looks for the most stable, and most ethical lender when discussing with either the buyer or the seller.Brenda isn't concerned with whether it's an FHA or conventional, she looks at the reputation of the company, both from the public perspective, but also from her personal experience with the lender.Can you reach out to your lender and get reimbursed for the time you were paying PMI while you had 20 percent equity in your home? Brenda asks Alan this question and you might be surprised at what you learn! I know I was!Connect with Brenda D. DavisCall or Text (248) 909-9711Century 21 Town and Country4820 Rochester Rd, Troy MIBrenda D. Davis - Century 21FacebConnect with Regina!Text (248) 218-9808Check out Joe Lunghamer's new and used inventory here on Regina's website!Website (Submit a credit application here)TikTokYouTubeInstagramFacebook (Cars)Facebook (Credit)Connect with Dr. Teresa!Call (248) 214-6678Website FacebookLinkedInConnect with Gill Garrett!FacebookInstagramTwitterLinkedIn

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