Been poking around online trying to figure out mortgage rates, and I'm kinda torn between using those comparison websites (you know, the ones that list a bunch of lenders side-by-side) or just going straight to the lender's own site. The comparison sites seem convenient, but I'm wondering if they're really showing the best deals or just whoever pays them more. Anyone have experience with either method? Curious which route you guys prefer and why...
"The comparison sites seem convenient, but I'm wondering if they're really showing the best deals or just whoever pays them more."
You're right to be skeptical—comparison sites can be handy for a quick overview, but they're definitely not foolproof. I've found some decent deals through them, but honestly, the best rates I've snagged were usually by going direct and negotiating with lenders myself. Takes a bit more legwork, sure, but you can often squeeze out better terms that way. Have you thought about using the comparison sites just as a starting point and then contacting lenders directly to see if they'll beat those offers?
Yeah, comparison sites can be a mixed bag. I once found a great-looking deal on one, but when I called the lender directly, turns out there were hidden fees that weren't listed online...typical. Ever run into something like that?
I've definitely seen that happen before—comparison sites can gloss over some important details. When I was refinancing, I found that talking directly to lenders helped clarify things. Did you end up going with that lender or find a better alternative elsewhere?
Good points about comparison sites glossing over details—I've noticed that too. Here's where I'm at right now:
- Checked out a few comparison sites first, and yeah, they're handy for getting a quick snapshot of what's out there.
- But when I clicked through to the actual lender pages, sometimes the rates or terms didn't match exactly. Felt a bit misleading.
- Decided to reach out directly to two lenders I found interesting. One was super responsive and clear, the other took forever to reply and seemed kinda vague.
- Still haven't committed yet... leaning toward direct contact though, just because it feels more transparent and I can ask specific questions without feeling rushed.
Honestly, as a first-timer, I'm still figuring out what questions I should even be asking. The whole process feels like peeling an onion—every layer reveals something else I didn't know I needed to consider.
