**Q: What are your rates?**
A: At Duane Buziak Mortgage Maestro, our rates vary depending on several factors including loan type, term, and the borrower's credit profile. Currently, our conventional loan rates start as low as 3.5%, while FHA loans may offer rates around 3.25%. For a precise quote tailored to your situation, we encourage you to reach out directly for a personalized consultation.
**Q: How do your mortgage rates compare to other lenders?**
A: We pride ourselves on offering competitive rates that often beat industry averages. Our strong relationships with lenders allow us to secure excellent rates for our clients. By focusing on your unique financial situation, we can often provide options that may not be available through traditional banks.
**Q: Are there any fees associated with your rates?**
A: Yes, while we offer competitive rates, there may be associated fees such as origination fees, underwriting costs, and closing costs. We believe in transparency, so we will provide you with a detailed breakdown of all costs upfront, ensuring you understand what you are paying for and why.
**Q: Do you offer rate locks?**
A: Yes, Duane Buziak Mortgage Maestro offers rate locks to secure your mortgage rate for a specified period, protecting you from potential rate increases while you finalize your loan. Typically, we can lock your rate for 30 to 60 days, depending on your loan type and market conditions.
**Q: Can I get a lower rate if I have a high credit score?**
A: Absolutely! At Duane Buziak Mortgage Maestro, borrowers with higher credit scores typically qualify for lower interest rates. A credit score of 740 or higher can significantly reduce your rate and, consequently, your monthly payment, which is why we encourage our clients to maintain good credit health.