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@majiaqi.12122002: #mãgiakỳ #magiaky #magiaky_majaqi_马嘉基🐴 #majiaqi #thoidaithieuniendoan时代少年团
🐴💜 Tiểu Nhĩ Của MJQ 💜🐴
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Saturday 08 August 2026 11:09:43 GMT
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🚨 ARE YOU GETTING SCAMMED BY THE BUILDER’S PREFERRED LENDER? A builder offering closing cost assistance or a lower rate through its preferred lender is not automatically a RESPA violation. However, you should ask serious questions when the builder pressures you, misleads you, or claims you must use its affiliated lender to purchase the home. RESPA prohibits kickbacks and referral payments for settlement service business. When a builder has an ownership interest in the lender, that relationship generally must be disclosed, and the buyer cannot simply be forced to use the affiliated company as a condition of purchasing the home. A legitimate package or discount may be offered, but the incentive should be real and not secretly recovered through a higher interest rate, inflated price, excessive fees, or worse loan structure. Before accepting that shiny $10,000, $20,000, or $30,000 builder incentive, compare: ✅ Interest rate ✅ APR ✅ Discount points ✅ Origination charges ✅ Monthly payment ✅ Cash required at closing ✅ Total cost over the time you expect to keep the loan That massive incentive may look impressive, but numbers do not lie. You could receive thousands toward closing and still accept a more expensive mortgage. 📲 GET A SECOND OPINION BEFORE YOU SIGN. Let an independent mortgage professional compare the builder’s offer and determine whether you are truly receiving a deal or simply paying for the incentive somewhere else. Visit www.gregthemortgagementor.com to request a second opinion. 🏡 This content is educational and is not legal advice. Builder incentives and affiliated lender arrangements must be evaluated based on the specific transaction. #mortgagetips #FHALoan #loanofficer #mortgagebroker #mortgagerates
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