Securing the best mortgage rate is essential for achieving long-term savings on your home loan. At DCI Mortgage, we leverage our extensive relationships with a wide array of lenders to shop for the most competitive rates tailored to your unique financial situation. While online platforms may offer quick rate comparisons, they often lack the depth of understanding needed to navigate the complexities of mortgage lending.

Finding the best rate is a matter of shopping lenders competing for your loan scenario's specific factors. Some of the factors include borrower refinancing as opposed to purchasing. Some lenders have better rates than others for cash-out refinances, rental properties, self-employed borrowers, low credit scores, low down payments, limited time in business, many properties financed owned, new construction, PUD and condo property types, vacation homes, rural property location, retired or borrower living on investments, borrowers with recent bankruptcies or foreclosures, and many other factors. So, finding the best rate is constantly checking which lenders promote the best rate for any or combination of factors and continually shopping them against other lenders that promote rate strengths for the same factors. This, in addition to which lenders have approved and funded loans with the same factors and knowing when those lenders are no longer interested in loans with those factors.