You Can Shop Your Mortgage And Save More Than You Think

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Think your mortgage rate is carved in stone? We open the black box and show how rates are actually built—by margins, overhead, and secondary market pricing—not just headlines about the Fed. Joining us is veteran loan expert Sean Morrow of Affinity Group Mortgage, who explains why two borrowers with similar profiles can see very different offers and how a hybrid lender model can unlock better pricing and faster closings.

We get tactical about closing costs, separating third-party charges you can’t change from Box A lender fees you absolutely can. Sean unpacks discount points and temporary buydowns with clear, practical math: how to find the breakeven, when a 2-1 buydown helps cash flow, and when the exact same dollars should go toward a permanent rate reduction. We also talk through the realities of underwriting—why sourcing large deposits matters, why missing “blank” bank statement pages still get flagged, and how agency rules from Fannie Mae, Freddie Mac, and Ginnie Mae drive documentation. If you’ve ever wondered why your loan officer keeps asking for one more item, this conversation will save you time and stress.

We dig into income nuance too. Variable pay like shift differentials and overtime looks great on a pay stub but can’t always support a 30-year commitment unless averaged correctly. That’s protection, not paperwork for paperwork’s sake. You’ll hear when builder incentives are a smart, obvious win and when outside financing with tighter margins beats the shiny teaser. We wrap with a smarter way to shop rates without hurting your credit, the questions to ask about compensation and Box A, and how to start with a monthly payment you can live with before choosing your product.

If this helped you see the mortgage process with fresh eyes, follow the show, share it with a friend who’s house hunting, and leave a quick review so more buyers find these insights.

Sarah Thress
614-893-5885

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