Sacramento Real Estate Agent Mortgage shopping – 1%* Full Service Listing fee, Save 45%** to 83%** vs a 6% Fee, Save $25,000 vs 6% @$500k, 27+ Years Exp Sacramento Discount REALTOR® Agent Broker North American-REALTORS®

The Cost of Your Mortgage Loan

Money Isn't Everything

When considering lenders, factor in the level of service they will provide throughout the loan process. I'll be glad to provide a list of lenders who have successfully helped clients in the past. I also suggest that you ask friends and family in the area for their recommendations.

The same care and consideration you give to finding the right house with a Sacramento Real Estate Agent should be applied to your search for the right mortgage lender. For most home-buyers a major determining factor in selecting a lender is the cost of the mortgage loan. But how do you determine the cost of a mortgage loan?

Shopping for a Mortgage Loan
While most buyers concentrate on interest rates, it is best to look at all the costs associated with a mortgage loan. Mortgage loans include the quoted interest rate, points and closing costs.

More than Just Interest

A number of fees are associated with the mortgage loan, including:

Appraisal - A carefully documented opinion of value by a licensed, professional appraiser.
Credit Report - A detailed report of your credit, employment and residence history prepared by a credit bureau.
Principal - The amount owed on a mortgage which does not include interest or other fees.
Document Fees, Loan Fees and Processing Fees - Miscellaneous fees charged by the lender.
Discount Points - Points paid in addition to the loan origination fee to get a lower interest rate. (1 point = 1 percent of loan amount)
Origination Points - the total number of points paid by the borrower at closing. (1 point = 1 percent of loan amount)
Interest Rate - A percentage of a loan or mortgage value that is paid to the lender as compensation for loaning funds.

Prepayment Penalty Mortgages (PPMs)

These loans restrict your right to prepay part or all of the principal in the loans early years. A prepayment fee is charged by the lender to the borrower who wishes to pay part or all of the loan ahead of the regular schedule. The advantage of a PPM is that they often have a lower interest rate than other mortgages.

Using the Annual Percentage Rate (APR) to Compare Mortgage Loans

The APR was designed to help borrowers understand the relative costs of a mortgage loan. The APR takes into account the various fees associated with the loan, which is why it is often higher than the interest rate. Understand that not all lenders calculate a loan's APR in the same way. That is why this should be only one of the factors used in selecting the best mortgage for you.

Locking-in Interest Rates

Another factor to consider when selecting a lender is whether the lender will lock-in the mortgage's interest rate and points. Click here to learn more about lock-in options.

This Seller Saved Thousands of Dollars vs. the 6% fee, you can save too!

We will continue to promote fair competition preventing monopolies in the real estate business for the benefit of all consumers as lower commissions keeps more of homeowner's hard earned equity in their pockets.

Looking to Sell?

Are you looking to sell your house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

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* Notice: The amount or rate of real estate commissions is Not Fixed by law. They are set by each broker individually and may be negotiable between the Seller and Broker. Any reference to a 6%* fee/commission is for savings comparison with the 1%* fee and was solely chosen as a sample number as any fee/commission (5.8%*, 5.9%*, 6.1%*, 6.2%*, 7%*, 8%*, 9%*, 12%*, etc.,) can be negotiated by any real estate professional. The fees/commissions described on this website may change from time to time without notice and are subject to minimum listing limitations. The Listing Broker's Minimum Listing Fee is $2,950. The Listing Broker's Minimum List Price is $295,000 (excluding zip codes 95825, 95826 Minimum List Price $250,000). The low cost discount full service listing offer does not include Short Sales as they are more complex and time consuming transactions. We specialize in Residential Home sales and do not offer Commercial Real Estate services. The higher the Sales Price the More you SAVE! We can continue our 27+ years of saving consumers thousands of dollars in commissions as long as there are no rules or regulations passed or interpreted meant to Restrain Competition among Brokers which would injure consumers thru higher costs to sell a home. Entry into the MLS and payment of an MLS Agent's additional fee is NOT mandatory and NOT necessary to receive Listing Broker's FULL SERVICE ("all necessary services") for only 1%* commission as we encourage expanding Consumer's Choice in Real Estate Services to prevent Anti-Competitive Practices. We provide FULL SERVICE to all Sellers whether they Opt-In or Opt-Out of the MLS. Seller can Opt-In to the MLS and pay an MLS Agent's additional fee at any time during the listing. Any reference to "overpriced 6%*" in advertising is solely meant to inform the consumer of our belief that we feel if we charged a consumer a 6%* listing fee we would be pricing NORTH AMERICAN-REALTORS® listing fee too high, thus our 1%* commission. The phrase "overpriced 6%*" in advertising is part of the negotiating of the commission between the listing Broker and Seller as the consumer knows from this phrase that when they list with NORTH AMERICAN-REALTORS® they will not be charged a 6%* listing fee. The "6%* circle-backslash symbol" in advertising is solely meant to inform the consumer that NORTH AMERICAN-REALTORS® does not charge a 6%* fee as part of the negotiating of the commission between the listing Broker and Seller. There is no minimum mandatory amount of compensation you must offer an MLS cooperating Buyer's agent as every Seller freely chooses the amount to offer. The Listing Broker is Doug Bautista who has been a member of the Sacramento Association of REALTORS® for over 28+ years and who charges the 1%* Full Service fee (save 45%** to 83%**) advertised on this website. NORTH AMERICAN-REALTORS® agents are free to negotiate/advertise whatever commission is acceptable between Seller and Agent. We support the Sherman Antitrust Act. We do not support any trade association, organization, corporation, real estate broker or real estate salesperson that attempts to Standardize or Fix Real Estate Commissions or Suppress Market Competition and any monopolization, attempted monopolization, or conspiracy or combination to monopolize. We believe that free and open markets are the foundation of a vibrant economy and aggressive competition among licensed real estate agents in an open marketplace gives consumers the benefits of lower prices (like our 1% fee), more choices (like Opting-In or Opting-Out of MLS), and greater innovation (like our brokerage).

**  Savings of 45% to 83% vs a 6% fee are approximate figures as the exact savings are 45.83333333333% (6% minus 3.25% = 2.75% divided by 6% = 45.83333333333% savings) to 83.3333333333% (6% minus 1% = 5% divided by 6% = 83.3333333333% savings)

All property details including but not limited to Age, Lot Size, Square Footage is deemed reliable but in no way is guaranteed. Listing Broker obtains information from Public Tax Roles and/or Seller and has not personally verified the information nor measured the homes square footage or lot size. Buyer shall be solely responsible for hiring experts to inspect all aspects of the property to ensure Public Tax Role or Seller provided data is accurate or acceptable.

We will continue to Promote Fair Competition preventing monopolies in the real estate business for the benefit of all consumers as lower commissions allows homeowner's to keep more of their hard earned equity. For additional information regarding Competition in Real Estate visit the Federal Trade Commission and/or the State of California Department of Justice. For additional information regarding Anti-Competitive Conduct enforcement visit the United States Department of Justice.   Consumers are the best source of information to a Possible Violation of antitrust laws. Any questions or concerns regarding anticompetitive conduct by any corporations, agents or brokers in the real estate industry can be emailed to: RealEstateCompetition@usdoj.gov and/or piu@doj.ca.gov

NORTH AMERICAN-REALTORS® is licensed by the State of California (CalBRE# 01031256) to conduct business within the State of California.   Any links on this website are provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by NORTH AMERICAN-REALTORS® of any of the products, services or opinions of the corporation or organization or individual. As any website designer can alter the content in linked pages NORTH AMERICAN-REALTORS® bears no responsibility for the accuracy, legality, relevance, completeness or content of the external site or for that of subsequent links. Once you click on a hypertext link you are leaving this site and are under the privacy policies posted on the sites to which we link. If a link seems offensive, misleading, broken or out-of-date first use the "Looking to Sell" area to provide us with your concerns so we can view the area, delete it if its placement was unauthorized and then Contact the external site for answers to questions regarding its content. Website/Cyber intrusions are becoming more commonplace, more dangerous, and more sophisticated as both private and public sector networks, are targeted by adversaries. American companies are targeted for trade secrets, other sensitive corporate data and vandalized by fraudsters thru the adding of offensive and misleading information or statements. If while visiting this site you see anything that looks out of place, odd, offensive or misleading utilize the "Looking to Sell" area to provide us with your concerns so we can view the area, delete it if its placement was unauthorized and contact law enforcement to report the activity.

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NORTH AMERICAN-REALTORS® communications from Agent/Broker and info on this website prior to a consumer signing an AGENCY DISCLOSURE FORM and prior to signing a binding listing agreement for the sale of a home are general in nature and shall not be interpreted as any form of a binding agreement thus there are no fiduciary duties created by providing said general information.

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