Danny Martinez at Guaranteed Rate Affinity (NMLS #772895)

That's a great question to ask, and my #1 i get all the time. In a nutshell, an interest rate isn't a price tag on a shelf; it’s a calculation based on serveral factors, such as: - Your Credit Profile: A 760 score vs. a 660 score can change a rate by 0.5% or more. - The type of occupancy: Primary residences vs. investment properties have different "hits" and "higher rates if it's investment property." - Your Loan-to-Value (LTV): Your down payment amount significantly shifts the risk and the rate. - Moreover, the Market Volatility: Rates can change between your morning coffee and your lunch. It's that drastic of a swing. Let’s jump on a 10-minute Teams/Zoom meeting at your earliest convenience tomorrow. I’ll share my screen and show you three different scenarios side-by-side so you can see which one actually puts the most cash back in your pocket. calendly.com/danny-martinez-grarate

Another great top question I get, and I have answers for you right below: 1. The "Big Four" Document Checklist Most people think you need a mountain of paperwork. You can simplify it by grouping them into four "buckets." 1. Income: Your last 30 days of pay stubs and last 2 years of W-2s. 2. Assets: The last 2 months of bank statements (all pages!) for your checking and savings. 3. Tax History: Your last 2 years of federal tax returns (if you're self-employed, this is the most critical part). 4. Identity: A clear photo of your Driver's License or Passport. I understand you might have to digging for all of this, and you just want to quickly find out without disclosing all of the paperwork...."You don't actually need all of these just to start. My digital portal can actually 'auto-verify' a lot of this for you once you log in, saving you the hassle of hunting down PDFs." 2. "Where do I apply?" "You can apply right on my secure mobile-friendly portal here: https://www.grarate.com/loan-officers/daniel-martinez-772895. It takes about 10–15 minutes. You can even take photos of your documents with your phone and upload them directly. It’s designed to be as easy as an Amazon checkout, but for your future home." 3. "Is my SSN safe?" "My application portal uses AES 256-bit encryption—the same level of security used by major banks and the military. Your data is never 'emailed' (which is unsecure); it is stored in a hardened digital vault that only I and my processing team can access." "Federal law requires us to verify your identity to prevent money laundering and fraud. More importantly, it’s the only way to accurately pull your credit data so I can give you a 'Real' interest rate rather than a guess." The best part we don't initally do a hard-pull on your credit. We start with a soft-pull, so it won't count as a hard inqiury and won't be reported to the credit bureaus.