Resources

Top 10 FAQ's

Joe has prepared a series of audio answers to his clients' 10 most frequently asked questions. Joe's answers are in the MP3 audio format.

Q: What is the difference between prequalification and preapproval?

A: Listen to Joe's answer.

Q: Do I have to provide all copies of bank and investment statements?

A: Listen to Joe's answer.

Q: Who orders the appraisal and survey and when is it ordered?

A: Listen to Joe's answer.

Q: What is meant by the term locking the interest rate? When and how do I lock my interest rate?

A: Listen to Joe's answer.

Q: Is Sente Mortgage a broker or a mortgage banker?

A: Listen to Joe's answer.

Q: What is an origination fee and discount point?

A: Listen to Joe's answer.

Q: If I don't have a large downpayment, do I have to pay mortgage insurance?

A: Listen to Joe's answer.

Q: What is the "Truth in Lending" disclosure?

A: Listen to Joe's answer.

Q: How will I be kept updated on the status of my loan?

A: Listen to Joe's answer.

Q: Where will I be closing? How much do I have to bring to closing? Can I bring a personal check?

A: Listen to Joe's answer.