Different models. Different ways to shop a mortgage.
Understand how lender access, relationship benefits, product variety and servicing may differ before deciding where to apply.
Programs from multiple approved wholesale lenders
Programs offered by that institution
HMCO reviews available options within its network
Borrower may contact other institutions separately
Not tied to deposit accounts
Member or banking discounts may be available
May include agency, government, jumbo, investor and alternative-documentation programs
Availability varies by institution
The closing lender or another servicer typically handles payments after closing
The institution may retain or transfer servicing
This comparison is general and does not guarantee that HMCO will provide a lower rate, lower cost or more favorable terms. Consumers should compare official Loan Estimates, service, timing and product fit.
The Loan Estimate makes the offers comparable.
Review interest rate, annual percentage rate, projected payments, closing costs, lender credits, cash to close and whether any terms can change.