A few bits of good news to share. The first is that I may have found my mortgage person. I've made a few calls to banks requesting information regarding fees and rates. Everyone has been pleasant and has given me the requested information. All calls and e-mails have ended with things like, "Don't hesitate to call us if you have any other questions."
The problem, though, is that I don't know what other questions to ask.
But then I went to my primary bank (ST) on Saturday. The teller noted the checks from my parents and asked, "Did you just have a birthday?" I told her yes and that they had surprised me by giving me some extra cash to help me with my condo search. She asked if I'd checked with ST yet regarding loans. I told her no and that I was still shopping around but that ST was on the list. She offered to take my information and pass it on to one of their mortgage people. She asked her manager for the correct name so I'd know who to expect to get in touch. He e-mailed me that afternoon.
I finally got around to calling him yesterday morning. And rather than simply answer my questions, he asked me questions. Important questions. He was working like a person who had already been hired. And he was never pushy. Just very pleasant.
He asked if he could pull my credit score so that he'd be able to talk more with me about my options. He said too many first-time buyers go in without full knowledge of what they're going to be paying, and he wanted to give me accurate information regarding my options.
Today he called me with my score. And that brings me to the second bit of good news: My score is excellent. Yay! It wasn't that I was concerned about my score; when I had it checked last year it was quite high. Still, it was great news, and reassuring.
The last bit of good news is that I was expecting some money and it turns out that I'm getting more back than I thought. Awesome!
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