If you get a loan from a direct
lender then you are subject to the whims of their secondary
marketing department with regards to locking in your loan rate.
When you work with Wymac Capital, Inc. you may be able to get the
same loan program from numerous lenders. This makes it possible for
Wymac Capital, Inc. to be very competitive in pricing, and offer you
the best deal possible.
In a deteriorating market - when
rates are rising - the ability to compare multiple lenders and
switch your loan to a lender that is slower to raise rates will save
you money.
Likewise, in an improving market -
when rates are falling - Wymac Capital, Inc. has the ability to move
your loan to a lender that is responding more quickly to market
changes. Oft times we will lock with a lender and when rates drop,
we renegotiate with that lender to offer you a better rate. We
represent the borrower, not the lender.
Occasionally a lender
will have below market rates attempting to "buy the market". This
usually lasts for a short period of time and Wymac Capital, Inc.
reacts quickly to take advantage of this special opportunity.
The borrower benefits through Wymac's
expertise in analyzing which lenders have the best programs on a
specific day.
