YouTube – Straight Talk Lending – Daniel Dobbs
Daniel Dobbs, a CSU Fullerton graduate (1994), is a licensed loan officer with 40+ years of experience certified by the Calif. DRE / NMLS.
DanielDobbs.org attracts 82+k readers monthly.
I’m the Broker for Mutual Home Mtg.
Below is my cell number – I pick up the phone!
- U.S Treasury Dept. Warns Against Online Lenders’ Steering and Kickback Schemes.
- Rate Platforms and Online Lenders Skim Buyers’ Private Data for Resale to Data Brokers.
- Applying for a Mortgage Is Easy—Funding and Closing Escrow Smoothly—Isn’t.
- Avoid These Nine Mortgage Traps.
- Mortgage Brokers –Best Rates, Fastest Service, Min. fees.
- Over 50 Wholesalers, FHA, VA, Fannie Mae Loans, and Low Credit Scores “OK”
- News Events That Drive Interest Rates;
- 10 Data Points Determine a Borrower’s Rate.
- Never Pay Points or Fees.. Reviewing the “Truth in Lending” Disclosure.
- Exposing a Lender’s Junk Fees.
- Reviewing the APR Calculations.
- Before You Choose a Lender – Ask These Questions.…
- Demand These Service Levels.
Daniel Dobbs, a CSU Fullerton graduate (1994), is a licensed loan officer with 40+ years of experience certified by the California DRE / NMLS. DanielDobbs.org attracts 82+k readers monthly. Click here for his 385+ 5-star online Google reviews, and has 372+ subscribers and 5-star reviews on YouTube. Mr. Dobbs currently volunteers for the Mission Viejo-1st USMC Battalion at Camp Pendleton.
0:00 Getting the Best Rate- Lowest Fees -and the Fastest Service
0:16 Intro “Borrowers Beware”
1:00 Today’s Mtg. Market –Rates are Up – Junk Fees Increase- Service Slows
1:24 U.S Treasury Dept. Warns Against Online Lender’s Steering and Kickback Schemes
1:58 Rate Platforms and Online Lenders Skim Buyers’ Private Data for Resale to Data Brokers
3:47 Comparing the 4 Most Common Types of Home Loans
4:29 Applying for a Mortgage is Easy – Funding and Closing Escrow Smoothly – Isn’t
5:23 Avoid These Other Mortgage Traps
5:33 Mortgage Brokers – Good for FHA, VA, – Fannie Mae Loans and Buyers with Lower Credit Scores
6:59 Credit Unions – Good Rates and Service but Require Membership – Higher Credit Scores – Self-Employed / 1099 Buyers Need Not Apply
7:37 Banks and FinTech Lenders –Banks “Preferred Clients” Get the Lowest Rates – FinTech Gets the Rejects
9:27 News Events That Drive Interest Rates..;9:40 These 10 Data Points Determine a Borrower’s Rate
10:21 Never Pay Points or Junk Fees..10:54 Reviewing the “Truth in Lending” Disclosure..11:15 Exposing a Lender’s Junk Fees (Section 2a)…11:32 Reviewing the APR Calculations
11:50 Before You Choose a Lender – Ask These Questions….12:28 Demand These Service Levels
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