Mortgage Lender Questions Checklist
Prepare to compare lenders on the same terms.
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Prepare me to compare mortgage offers. This is general information, not financial advice. My situation: [MY_SITUATION]. Country or region: [COUNTRY]. Create: 1. A checklist of questions to ask every lender, grouped as rate and type, fees and closing costs, flexibility (prepayment, portability, rate lock), timeline, and service. Mark the ones most often overlooked. 2. A comparison table template with columns for each lender and rows for rate, annual percentage rate or equivalent, loan type, term, points, fees, estimated monthly payment, closing costs, rate lock period, and total cost over [YEARS_TO_STAY] years. 3. A step-by-step example of calculating the total cost over time for two offers (explain the formula and use made-up numbers). 4. Documents to gather before applying. 5. Warning signs (pressure, unclear fees, refusal to give a written estimate). Add a reminder to confirm terms with a licensed professional and ask which lenders I have already spoken to. Write every question so it can be answered with a number or a yes/no where possible, which makes offers easier to compare side by side. This is general information, not financial or mortgage advice. Rules and products differ in [JURISDICTION], so have a licensed mortgage professional verify the questions and the comparison before you rely on them.
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