Buying a home? This true-or-false quiz helps buyers better understand mortgage rates | SA Live

Buying a home? This true-or-false quiz helps buyers better understand mortgage rates | SA Live

>> SO HOW MUCH YOU KNOW ABOUT >> SO HOW MUCH YOU KNOW ABOUT
MORTGAGE RATES OR THE MORTGAGE >> SO HOW MUCH YOU KNOW ABOUT
MORTGAGE RATES OR THE MORTGAGE
MARKETS NOW IF YOU’RE LOOKING MORTGAGE RATES OR THE MORTGAGE
MARKETS NOW IF YOU’RE LOOKING
TO BUY A HOME OR REFINANCE IT MARKETS NOW IF YOU’RE LOOKING
TO BUY A HOME OR REFINANCE IT
CAN BE A WHOLE LOT TO TAKE IN TO BUY A HOME OR REFINANCE IT
CAN BE A WHOLE LOT TO TAKE IN
HERE TO GUIDE US THROUGH THESE CAN BE A WHOLE LOT TO TAKE IN
HERE TO GUIDE US THROUGH THESE
KEVIN MILLER WHO IS CEO OF HERE TO GUIDE US THROUGH THESE
KEVIN MILLER WHO IS CEO OF
TEXAS LANDING DOT COM IS GOING KEVIN MILLER WHO IS CEO OF
TEXAS LANDING DOT COM IS GOING
HELP US GET STARTED WITH A TEXAS LANDING DOT COM IS GOING
HELP US GET STARTED WITH A
LITTLE TO AND FAULTS WITH HIS HELP US GET STARTED WITH A
LITTLE TO AND FAULTS WITH HIS
FIRST BALL GOOD AFTERNOON LITTLE TO AND FAULTS WITH HIS
FIRST BALL GOOD AFTERNOON
GIVEN.

FIRST BALL GOOD AFTERNOON
GIVEN.
>> YOU HAVE TO YOU MIKE. GIVEN.
>> YOU HAVE TO YOU MIKE.
>> I TOUR FAULT BY POINTS LOWER >> YOU HAVE TO YOU MIKE.
>> I TOUR FAULT BY POINTS LOWER
YOUR INTEREST RATE. >> I TOUR FAULT BY POINTS LOWER
YOUR INTEREST RATE.
>> YOU KNOW YOUR INTEREST RATE.
>> YOU KNOW
BY LAW. >> YOU KNOW
BY LAW.
>> BUYING POINTS IS SUPPOSED TO BY LAW.
>> BUYING POINTS IS SUPPOSED TO
BUY DOWN YOUR INTEREST RATES IF >> BUYING POINTS IS SUPPOSED TO
BUY DOWN YOUR INTEREST RATES IF
YOU ARE PAYING POINTS. YOU BUY DOWN YOUR INTEREST RATES IF
YOU ARE PAYING POINTS. YOU
SHOULD BE GETTING LOWER RATES YOU ARE PAYING POINTS. YOU
SHOULD BE GETTING LOWER RATES
AS TRUE. SHOULD BE GETTING LOWER RATES
AS TRUE.
>> OKAY NUMBER 2 A 15 YEAR AS TRUE.
>> OKAY NUMBER 2 A 15 YEAR
MORTGAGE SAVES YOU MONEY OVER A >> OKAY NUMBER 2 A 15 YEAR
MORTGAGE SAVES YOU MONEY OVER A
30 YEAR MORTGAGE.

MORTGAGE SAVES YOU MONEY OVER A
30 YEAR MORTGAGE.
>> 15 YEAR MUCH LOWER THAN 30 30 YEAR MORTGAGE.
>> 15 YEAR MUCH LOWER THAN 30
YEAR RATES RIGHT NOW SO THAT >> 15 YEAR MUCH LOWER THAN 30
YEAR RATES RIGHT NOW SO THAT
IS TRUE. YEAR RATES RIGHT NOW SO THAT
IS TRUE.
>> ALL RIGHT AND 0 CLOSING IS TRUE.
>> ALL RIGHT AND 0 CLOSING
COSTS SAVE YOU MORE MONEY THAN >> ALL RIGHT AND 0 CLOSING
COSTS SAVE YOU MORE MONEY THAN
A LOWER INTEREST RATE TRUE OR COSTS SAVE YOU MORE MONEY THAN
A LOWER INTEREST RATE TRUE OR
FALSE. A LOWER INTEREST RATE TRUE OR
FALSE.
>> HOW IS FALSE.
>> HOW IS
HE THAT’S ALSO IT’S DEPENDING >> HOW IS
HE THAT’S ALSO IT’S DEPENDING
ON HOW LONG YOU’RE GOING TO BE HE THAT’S ALSO IT’S DEPENDING
ON HOW LONG YOU’RE GOING TO BE
IN THE LOAD SOMETIMES OF YOU ON HOW LONG YOU’RE GOING TO BE
IN THE LOAD SOMETIMES OF YOU
PLAY THE CLOSING COST TO GET A IN THE LOAD SOMETIMES OF YOU
PLAY THE CLOSING COST TO GET A
LOWER RATE YOU’RE GOING TO SAVE PLAY THE CLOSING COST TO GET A
LOWER RATE YOU’RE GOING TO SAVE
MONEY LOWER RATE YOU’RE GOING TO SAVE
MONEY
OVER TIME.

MONEY
OVER TIME.
>> OK AND ONE MORE REFINANCING OVER TIME.
>> OK AND ONE MORE REFINANCING
IMPACT YOUR CREDIT SCORE. >> OK AND ONE MORE REFINANCING
IMPACT YOUR CREDIT SCORE.
>> REFINANCING YOU KNOW WHAT IF IMPACT YOUR CREDIT SCORE.
>> REFINANCING YOU KNOW WHAT IF
YOU JUST REFINANCE THE HOUSE IS >> REFINANCING YOU KNOW WHAT IF
YOU JUST REFINANCE THE HOUSE IS
NOT REALLY GOING TO IMPACT YOU JUST REFINANCE THE HOUSE IS
NOT REALLY GOING TO IMPACT
YOUR SCHOOLWORK BUT IF YOU DO A NOT REALLY GOING TO IMPACT
YOUR SCHOOLWORK BUT IF YOU DO A
WHOLE LOT OF OTHER THINGS LIKE YOUR SCHOOLWORK BUT IF YOU DO A
WHOLE LOT OF OTHER THINGS LIKE
REFINANCE YOUR FURNITURE, YOUR WHOLE LOT OF OTHER THINGS LIKE
REFINANCE YOUR FURNITURE, YOUR
AUTOMOBILE YEAR PLANE, YOUR REFINANCE YOUR FURNITURE, YOUR
AUTOMOBILE YEAR PLANE, YOUR
YACHT ALL THE SAME TIME.

AUTOMOBILE YEAR PLANE, YOUR
YACHT ALL THE SAME TIME.
THEIR CREDIT IS GOING TO FEEL YACHT ALL THE SAME TIME.
THEIR CREDIT IS GOING TO FEEL
LIKE THERE’S BEEN A LOT GOING THEIR CREDIT IS GOING TO FEEL
LIKE THERE’S BEEN A LOT GOING
ON WITH MORTGAGE RATES RECENTLY LIKE THERE’S BEEN A LOT GOING
ON WITH MORTGAGE RATES RECENTLY
SO WHAT’S THE LATEST WHAT’S IN ON WITH MORTGAGE RATES RECENTLY
SO WHAT’S THE LATEST WHAT’S IN
STORE FOR MORTGAGE, THE SO WHAT’S THE LATEST WHAT’S IN
STORE FOR MORTGAGE, THE
MORTGAGE MARKET.

STORE FOR MORTGAGE, THE
MORTGAGE MARKET.
>> YES, SO WE SAW TIME LOWS MORTGAGE MARKET.
>> YES, SO WE SAW TIME LOWS
LAST YEAR THAN RATES CAME UP A >> YES, SO WE SAW TIME LOWS
LAST YEAR THAN RATES CAME UP A
LITTLE BIT CALL IT. LAST YEAR THAN RATES CAME UP A
LITTLE BIT CALL IT.
SO RATE WENT UP HALF A LITTLE BIT CALL IT.
SO RATE WENT UP HALF A
PERCENT SOME DIDN’T GO MUCH IT SO RATE WENT UP HALF A
PERCENT SOME DIDN’T GO MUCH IT
UP OFF ALL THEIR 30 YEAR PERCENT SOME DIDN’T GO MUCH IT
UP OFF ALL THEIR 30 YEAR
MORTGAGES ONE UP ABOUT A HALF UP OFF ALL THEIR 30 YEAR
MORTGAGES ONE UP ABOUT A HALF
PERCENT.

THE 15 YEAR MORTGAGES MORTGAGES ONE UP ABOUT A HALF
PERCENT. THE 15 YEAR MORTGAGES
MAY BE ONE OF A QUARTER OF A PERCENT. THE 15 YEAR MORTGAGES
MAY BE ONE OF A QUARTER OF A
PERCENT BUT THEY’RE STARTING TO MAY BE ONE OF A QUARTER OF A
PERCENT BUT THEY’RE STARTING TO
COME BACK STARTED TO EDGE BACK PERCENT BUT THEY’RE STARTING TO
COME BACK STARTED TO EDGE BACK
DOWN AND PEOPLE NEED TO TAKE COME BACK STARTED TO EDGE BACK
DOWN AND PEOPLE NEED TO TAKE
NOTE BECAUSE YOU KNOW TAKE DOWN AND PEOPLE NEED TO TAKE
NOTE BECAUSE YOU KNOW TAKE
THERE’S NOW OF THESE RATES ARE NOTE BECAUSE YOU KNOW TAKE
THERE’S NOW OF THESE RATES ARE
LOW. ALL RIGHT. THERE’S NOW OF THESE RATES ARE
LOW. ALL RIGHT.
>> SAY I NEED SOME CASH. LOW. ALL RIGHT.
>> SAY I NEED SOME CASH.
>> OF CASH OUT REFI OR. >> SAY I NEED SOME CASH.
>> OF CASH OUT REFI OR.
>> A SECOND HOME EQUITY LOAN, >> OF CASH OUT REFI OR.
>> A SECOND HOME EQUITY LOAN,
WHAT’S WHAT’S THE DIFFERENCE.

>> A SECOND HOME EQUITY LOAN,
WHAT’S WHAT’S THE DIFFERENCE.
>> WELL IN TEXAS A CASH OUT WHAT’S WHAT’S THE DIFFERENCE.
>> WELL IN TEXAS A CASH OUT
REFINANCE IS A HOME EQUITY >> WELL IN TEXAS A CASH OUT
REFINANCE IS A HOME EQUITY
LOAN. IF YOU’RE JUST REFINANCE IS A HOME EQUITY
LOAN. IF YOU’RE JUST
REFINANCING YOUR HOUSE CAN GET LOAN. IF YOU’RE JUST
REFINANCING YOUR HOUSE CAN GET
CASH OUT. TEXAS CONSIDERS AT A REFINANCING YOUR HOUSE CAN GET
CASH OUT. TEXAS CONSIDERS AT A
HOME CASH OUT. TEXAS CONSIDERS AT A
HOME
EQUITY LOAN. YOU GET A SECOND HOME
EQUITY LOAN. YOU GET A SECOND
LIEN SECONDLY HOME EQUITY LOAN EQUITY LOAN. YOU GET A SECOND
LIEN SECONDLY HOME EQUITY LOAN
COULD BE A LITTLE BIT LIEN SECONDLY HOME EQUITY LOAN
COULD BE A LITTLE BIT
DIFFERENT.

BUT RIGHT WITH RACE COULD BE A LITTLE BIT
DIFFERENT. BUT RIGHT WITH RACE
SO LOW RIGHT NOW SEVERE UP FOR DIFFERENT. BUT RIGHT WITH RACE
SO LOW RIGHT NOW SEVERE UP FOR
FOR THE QUARTER AND IF YOU DID SO LOW RIGHT NOW SEVERE UP FOR
FOR THE QUARTER AND IF YOU DID
REFINANCE GET CASH OUT. YOU CAN FOR THE QUARTER AND IF YOU DID
REFINANCE GET CASH OUT.

YOU CAN
DROP AND GET CASH. REFINANCE GET CASH OUT. YOU CAN
DROP AND GET CASH.
SO THOSE ARE ABOUT THE SAME DROP AND GET CASH.
SO THOSE ARE ABOUT THE SAME
THINGS ALL CASH OUT REFINANCE SO THOSE ARE ABOUT THE SAME
THINGS ALL CASH OUT REFINANCE
AND TEXAS IS A HOME EQUITY THINGS ALL CASH OUT REFINANCE
AND TEXAS IS A HOME EQUITY
REFINANCING TEXAS, THE RATES AND TEXAS IS A HOME EQUITY
REFINANCING TEXAS, THE RATES
ARE GREAT REFINANCING TEXAS, THE RATES
ARE GREAT
RIGHT NOW. ARE GREAT
RIGHT NOW.
>> OK, HOW IS TEXAS LINING DOT RIGHT NOW.
>> OK, HOW IS TEXAS LINING DOT
COM DIFFERENT FROM OTHER >> OK, HOW IS TEXAS LINING DOT
COM DIFFERENT FROM OTHER
MORTGAGE COMPANIES. COM DIFFERENT FROM OTHER
MORTGAGE COMPANIES.
>> WE’RE SEEING A LOT OF MORTGAGE COMPANIES.
>> WE’RE SEEING A LOT OF
DIFFERENT THINGS GOING ON OUT >> WE’RE SEEING A LOT OF
DIFFERENT THINGS GOING ON OUT
THERE RIGHT NOW. DIFFERENT THINGS GOING ON OUT
THERE RIGHT NOW.
WE KNOW THAT THERE’S A LOT OF THERE RIGHT NOW.
WE KNOW THAT THERE’S A LOT OF
COMPANIES WITH A LOT OF WE KNOW THAT THERE’S A LOT OF
COMPANIES WITH A LOT OF
BRANCHES THEY HAVE A LOT OF COMPANIES WITH A LOT OF
BRANCHES THEY HAVE A LOT OF
REAL SEE THERE’S A LOT OF BRANCHES THEY HAVE A LOT OF
REAL SEE THERE’S A LOT OF
OVERHEAD AND THEY TYPICALLY REAL SEE THERE’S A LOT OF
OVERHEAD AND THEY TYPICALLY
HAVE HIGHER RATES THAN WE DO WE OVERHEAD AND THEY TYPICALLY
HAVE HIGHER RATES THAN WE DO WE
HAVE SOME OF THE LOWEST IF NOT HAVE HIGHER RATES THAN WE DO WE
HAVE SOME OF THE LOWEST IF NOT
THE LOWEST REFINANCE RATES IN HAVE SOME OF THE LOWEST IF NOT
THE LOWEST REFINANCE RATES IN
THE STATE OF TEXAS.

THE LOWEST REFINANCE RATES IN
THE STATE OF TEXAS.
I CAN TELL YOU WHAT I’M SEEING THE STATE OF TEXAS.
I CAN TELL YOU WHAT I’M SEEING
NOW IS THERE ARE A LOT OF I CAN TELL YOU WHAT I’M SEEING
NOW IS THERE ARE A LOT OF
COMPANIES THAT SELL NOW IS THERE ARE A LOT OF
COMPANIES THAT SELL
YOUR NAME. YOU APPLY ONLINE COMPANIES THAT SELL
YOUR NAME. YOU APPLY ONLINE
ONLY TO FIND OUT THE PLYWOOD YOUR NAME. YOU APPLY ONLINE
ONLY TO FIND OUT THE PLYWOOD
WAS IN THE MORTGAGE COMPANY. ONLY TO FIND OUT THE PLYWOOD
WAS IN THE MORTGAGE COMPANY.
THEY’RE WHAT THEY CALL AN WAS IN THE MORTGAGE COMPANY.
THEY’RE WHAT THEY CALL AN
AGGREGATOR OF LEADS THEY SAW THEY’RE WHAT THEY CALL AN
AGGREGATOR OF LEADS THEY SAW
YOUR NAME THE 5 DIFFERENT AGGREGATOR OF LEADS THEY SAW
YOUR NAME THE 5 DIFFERENT
MORTGAGE COMPANIES.

AND THERE YOUR NAME THE 5 DIFFERENT
MORTGAGE COMPANIES. AND THERE
ARE ONLINE ACCORDING FAKE MORTGAGE COMPANIES. AND THERE
ARE ONLINE ACCORDING FAKE
RATES, FALSE RATES THOUGH NOT ARE ONLINE ACCORDING FAKE
RATES, FALSE RATES THOUGH NOT
LENDERS THEIR LEAD COMPANIES. RATES, FALSE RATES THOUGH NOT
LENDERS THEIR LEAD COMPANIES.
SO YOU SEE THESE FAKE RATES AND LENDERS THEIR LEAD COMPANIES.
SO YOU SEE THESE FAKE RATES AND
THEN YOU CALL A MORTGAGE SO YOU SEE THESE FAKE RATES AND
THEN YOU CALL A MORTGAGE
COMPANY MCCOY SOMETHING THEN YOU CALL A MORTGAGE
COMPANY MCCOY SOMETHING
SOMETIMES ONE PERCENT HIGHER COMPANY MCCOY SOMETHING
SOMETIMES ONE PERCENT HIGHER
THAN THE RATE YOU SAW ONLINE. SOMETIMES ONE PERCENT HIGHER
THAN THE RATE YOU SAW ONLINE.
THEY COULD COME IN TEXAS ONLY THAN THE RATE YOU SAW ONLINE.
THEY COULD COME IN TEXAS ONLY
NOT CALM. WE HAVE THE LOWEST THEY COULD COME IN TEXAS ONLY
NOT CALM.

WE HAVE THE LOWEST
RATES IN NOT CALM. WE HAVE THE LOWEST
RATES IN
NEW REFINANCES YOU SHOULD CALL RATES IN
NEW REFINANCES YOU SHOULD CALL
US TODAY AND TAKE ADVANTAGE OF NEW REFINANCES YOU SHOULD CALL
US TODAY AND TAKE ADVANTAGE OF
THAT THE LOWER TO BE A RACE US TODAY AND TAKE ADVANTAGE OF
THAT THE LOWER TO BE A RACE
LOWEST FHA RATES IF YOU CALL THAT THE LOWER TO BE A RACE
LOWEST FHA RATES IF YOU CALL
US. YOU’RE GOING TO GET THE LOWEST FHA RATES IF YOU CALL
US. YOU’RE GOING TO GET THE
RATE THAT YOU SEE A SCOLDING US. YOU’RE GOING TO GET THE
RATE THAT YOU SEE A SCOLDING
ONLINE AND SO THAT’S ONE OF THE RATE THAT YOU SEE A SCOLDING
ONLINE AND SO THAT’S ONE OF THE
DIFFERENCES. THERE ARE ONLINE AND SO THAT’S ONE OF THE
DIFFERENCES.

THERE ARE
DIFFERENCES WE’VE BEEN HERE 20 DIFFERENCES. THERE ARE
DIFFERENCES WE’VE BEEN HERE 20
YEARS IN TEXAS WHERE A FAMILY DIFFERENCES WE’VE BEEN HERE 20
YEARS IN TEXAS WHERE A FAMILY
OWNED COMPANY. WITH ME AS CEO YEARS IN TEXAS WHERE A FAMILY
OWNED COMPANY. WITH ME AS CEO
AND OWNER I STARTED PLACE ABOUT OWNED COMPANY. WITH ME AS CEO
AND OWNER I STARTED PLACE ABOUT
20 YEARS AGO. SO WE KNOW TAXES AND OWNER I STARTED PLACE ABOUT
20 YEARS AGO.

SO WE KNOW TAXES
WE KNOW THE MARKET SO YOU’RE 20 YEARS AGO. SO WE KNOW TAXES
WE KNOW THE MARKET SO YOU’RE
GOING TO GET WE KNOW THE MARKET SO YOU’RE
GOING TO GET
GREAT SERVERS, GREAT SPEED GOING TO GET
GREAT SERVERS, GREAT SPEED
BECAUSE WE HAVE STEPPED UP HERE GREAT SERVERS, GREAT SPEED
BECAUSE WE HAVE STEPPED UP HERE
IN TEXAS, THE CLOSURE LOANS BECAUSE WE HAVE STEPPED UP HERE
IN TEXAS, THE CLOSURE LOANS
RIGHT NOW ON AVERAGE OF 30 DAYS IN TEXAS, THE CLOSURE LOANS
RIGHT NOW ON AVERAGE OF 30 DAYS
OF DOT COM. RIGHT NOW ON AVERAGE OF 30 DAYS
OF DOT COM.
WELL THE INDUSTRY AVERAGE IS OF DOT COM.
WELL THE INDUSTRY AVERAGE IS
ABOUT 70 DAYS YOU’RE GOING WELL THE INDUSTRY AVERAGE IS
ABOUT 70 DAYS YOU’RE GOING
CLOSE FAST WITH GREAT SERVICE ABOUT 70 DAYS YOU’RE GOING
CLOSE FAST WITH GREAT SERVICE
DOING THE BEST RATE YOU’RE CLOSE FAST WITH GREAT SERVICE
DOING THE BEST RATE YOU’RE
GOING TO FIND.

DOING THE BEST RATE YOU’RE
GOING TO FIND.
>> FANTASTIC INFORMATION KEVIN GOING TO FIND.
>> FANTASTIC INFORMATION KEVIN
MILLER CEO TEXAS LANDING DOT >> FANTASTIC INFORMATION KEVIN
MILLER CEO TEXAS LANDING DOT
COM. THANK YOU FOR MILLER CEO TEXAS LANDING DOT
COM. THANK YOU FOR
PLAYING THE GAME FIRST OF ALL COM. THANK YOU FOR
PLAYING THE GAME FIRST OF ALL
IN ALL THE INFORMATION AND FOR PLAYING THE GAME FIRST OF ALL
IN ALL THE INFORMATION AND FOR
MORE INFORMATION ON MORTGAGE IN ALL THE INFORMATION AND FOR
MORE INFORMATION ON MORTGAGE
LOANS OR REFINANCING YOUR HOME.

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