Real Rate Form

What are Quoted vs. Real Rates? There are two types of mortgage rates: quoted and real. Quoted rates are meaningless. Why?

Quoted rates are not relevant because each person's situation is unique. Quoted rates are the generic rates found on many websites, or are the rates quoted over the phone, without the lender 'drilling down' to your specific situation.

A real rate is an accurate rate based on your specific situation. For example, a real rate is based on factors such as your actual FICO score (consumer scoring models can differ), your downpayment, loan program, occupancy type and rate lock term, just to name a few. Unless the lender knows these things, it is impossible to give you a real rate that's relevant to your unique situation. One other thing; if a quoted rate doesn't come with a Good Faith Estimate, it is worthless. Invariably, below market rates come with huge added on fees. It never makes sense to pay an extra $1500-$5000 in 'junk' fees to save $20 a month on a slightly lower rate!

To get started on obtaining a Real Rate simply input your info below. We will follow up with current rates, and, if you would like, discuss the Real Rate for your specific situation.

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“I was thrilled with the personal service I received. Keep it up.”

Tara Farrell,
South Burlington

“You honestly could not do a better job. ”

Jason Bates and Nancy MacGregor,
Essex

“Thanks so much for making this so easy! We really appreciate it. I will be sure to pass on your name to friends and family.”

Jeff and Heather Smith,
Essex Junction

“Thanks so much. You are all knowledgeable, efficient and trustworthy!”

Dave and Heidi Bouchard,
Hinesburg

“I will definitely tell people where I went for my financing. Your team did an awesome job!! Everything went very smoothly and it was very convenient for me. Thanks for all your help!”

Barbara Wing,
Colchester

“Mark is a professional through and through! We felt like he was always looking our for our best interests.”

John and Sheila Stawinski,
Essex

“Our experience with your company gave us faith that we were not only getting the lowest possible rate, but also the benefit of a professional, knowledgeable staff. I recommend your services to everyone I know!”

Stu MacDonald,
South Burlington

“We want to think you for all your help. We can still hardly believe how easy you made everything. Our friend’s recommendation was right on the money.”

Dave and Lauren Curry,
Westford

“Not only were we approved almost instantly, but we qualified for much more than we expected. We were actually able to buy the house that we really wanted.”

Brian and Jennifer McClintock,
Essex Junction

“Mark made the mortgage process easy and painless. He worked hard for us making a sometimes difficult process seem simple.”

Bob Morris,
Williston

“When I find top notch service I stick with it and I’ve been a repeat customer of Mark’s for the last several years. I’ve had mortgages in the past with banks and credit unions, but none match the caliber of services, information and ease MFI supplies.”

Roger Barnes,
Shelburne

“You are super to deal with. Very responsive and helpful even after the transaction is complete.”

Robert Yandow,
Milton

“Thank you for all your help, advice and support throughout the entire process. I’m looking forward to working with you again in the future. I will mention your name to friends, family and colleagues.”

Joel Epstein,
Monkton

“The experience was almost effortless on our part. I will always recommend you.”

Lee Marchessault,
Williston

“You are absolutely wonderful to work with. Very patient and thorough.”

Cynthia Hebert,
Colchester