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How to Choose the Best Mortgage Lender (Top 3 Mistakes to Avoid!)

How to Choose the RIGHT Mortgage Lender | Avoid These Costly Mistakes! ► Download my FREE loan calculator here: https://rickelmendorf.com/spreadsheet/ With thousands of mortgage lenders out there, how do you choose the right one? In this video, I break down the key factors you NEED to consider before picking a lender. After 30+ years in the mortgage industry, I’ve seen every trick, every scam, and every mistake borrowers make. I’m here to help you avoid them! What I go over: ✅ Why a real estate agent or builder referral isn’t always the best option ✅ The red flags that signal a lender might be a bad choice ✅ The importance of getting numbers upfront & testing lender speed ✅ How a lender’s experience can make or break your home offer ✅ Why proactive communication is a game-changer in the mortgage process ✅ The truth about interest rates, fees & hidden costs lenders won’t tell you ✅ How to check lender reviews the right way to spot the best loan officers My pro tip: Never pick a lender based on the lowest rate alone! Some lenders bury fees in the fine print, and I’ll show you exactly how to catch them before they cost you thousands. If you’re buying a home or refinancing, this video will help you make the smartest mortgage decision possible. Don’t fall for lender tricks—know what to ask and what to look for. 👀 Watch now to find the BEST mortgage lender for you! 👉 Have questions? Drop a comment—I respond to all of them! 🔔 Don’t forget to LIKE & SUBSCRIBE for more expert mortgage advice! –––––––––––––––––––––––––––––––––––––––––––– Hi, I’m Rick Elmendorf, a VA loan expert and Top 1% Loan Officer Nationwide since 2000. With over 30 years of experience, I’ve helped thousands of veterans and military families secure their dream homes across all 50 states. Born in Bangkok in 1969 while my father served as an Air Force pilot in Vietnam, I’ve always been deeply connected to the military community. Starting my mortgage career at 22, I’ve made it my mission to simplify the home-buying process for veterans. Some of my tools include the Excel Purchase Calculator and the VA “Offer Accepted” Strategy—designed to get approvals faster and easier. My commitment to service and expertise has earned me a spot in the top 1% of Loan Officers nationwide for over two decades. If you’re a veteran or military family, I’m here to ensure you get the best experience possible. 🎖 Rick Elmendorf, NMLS 485091 Top 1% Loan Officer Nationwide since 2000 | VA Loan Expert Connect with Rick: https://linktr.ee/rickelmendorf –––––––––––––––––––––––––––––––––––––––––––– TOC: 0:00 - Introduction 0:35 - Realtor or Builder Referrals? 0:55 - Scheduling an Introductory Call 1:31 - Setting Your Goals & Getting Pre-Approved 2:07 - Evaluating Lender Experience 3:11 - Strategy Call with Your Lender 3:45 - Importance of Speed in the Loan Process 5:54 - Submitting Your Documents & Upgrading to Pre-Approval 6:39 - Understanding Rates, Terms & Fees 7:25 - Navigating the Loan Process & Underwriting 9:17 - Checking Reviews & Social Proof 9:49 - Making Your Final Decision 10:03 - Closing Day & Final Steps