Some offers look great at first glance. A lender quotes a low rate, but later you find out it assumes you buy discount points or comes with higher fees at closing. That can make a loan look better than it really is.
If you’re early in the process and comparing options, I can help you sort through what you’re seeing. We can cover how points work, how fees and credits change your cash to close, what tradeoffs to watch for, and what questions to ask before you lock anything in. The goal is simple: understand the true cost, not just the headline rate.
(Scene from Arrested Development, Season 2 Episode 1)