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Not all mortgage rates and fees are the same! In fact, they can vary significantly depending on the lender and loan channel. I always encourage homebuyers to shop for a mortgage, but many don’t know how to do it effectively. I don’t just compete—I educate my borrowers and agent partners to ensure they make informed decisions. Some lenders aren’t always transparent in how they present loan options, but the key to a true comparison is looking at the interest rate being offered and the costs in Box A of the Loan Estimate. The fees in the other sections will remain the same regardless of the lender. So, shop your lender—and make sure I’m one of them! #refinace #mortgageloans #mortgageloanofficer #mortgagerates #mortgagetips #mortgagebroker #loanestimate #melissanelson #homeloanhelp