How to choose the right mortgage lender #realestate #mortgage #homebuyer

Are you buying a home in San Antonio, Texas and not sure how to choose the right mortgage lender? Most home buyers go straight to their bank without shopping around — and it costs them thousands. In this video I break down exactly what to compare before you choose a lender so you get the best rate, lowest fees, and fastest closing possible. WHAT TO COMPARE WHEN CHOOSING A LENDER: 1. Interest Rate A 0.5% difference on a $300,000 loan is over $30,000 over the life of the loan. Always get quotes from multiple lenders before deciding. 2. Closing Costs Lenders are required to give you a Loan Estimate. Compare the total cost — not just the interest rate. Low rates can come with high fees. 3. Loan Programs Available Not every lender offers VA loans, USDA loans, FHA loans, or Texas down payment assistance programs. Confirm they offer what you need before you apply. 4. Speed and Communication In a competitive market like San Antonio, a slow lender can cost you the home. Ask for their average time to pre-approval and average days to close. PRO TIP: Talk to at least 3 lenders before making your decision. Need a referral? I work with some of the most trusted lenders in San Antonio — call or DM me. CALCULATE YOUR MONTHLY BUDGET: jeromegardnerhomes.com/calculator READY TO START YOUR HOME SEARCH IN SAN ANTONIO? Call or text: 210-758-7343 Email: jerome.gardner@exprealty.com Website: jeromegardnerhomes.com Jerome Gardner is a licensed real estate agent with eXp Realty serving San Antonio, Bexar County, Schertz, Converse, Universal City, Helotes, New Braunfels, and surrounding Texas communities. Subscribe for weekly home buyer tips, San Antonio market updates, and real estate guides. CHAPTERS: 0:00 Why lender choice matters 0:15 Comparing interest rates 0:30 Understanding closing costs 0:45 Loan programs — VA, FHA, USDA, DPA 1:00 Speed and communication 1:15 How many lenders to talk to 1:30 Get a trusted lender referral For informational purposes only. Interest rates, closing costs, and loan program availability vary by lender and borrower profile. This is not financial advice. Consult a licensed lender before making any mortgage decisions. Jerome Gardner | eXp Realty | Equal Housing Opportunity.