While there is no "right" way to go about choosing a loan officer or a Realtor to work with, one thing is clear - you are going to need to choose both a Realtor and a loan officer if you are going to buy a home and finance it.
Probably the most popular method of selecting a Realtor is finding a house - either online or offline -- and calling the listing agent who has the house for sale and begin by asking "can I see this house?" While there is nothing technically wrong with the process, there is another way that you could potentially find both a loan officer and a Realtor - and it may end up saving you both time and money.
Start by calling a loan officer.
You can find loan officers anywhere - they lurk in the newspaper, on the internet, at your local bank - they are not that hard to find. Once you find a loan officer, be sure to interview at least a couple before deciding which one to work with. Choosing a loan officer is a lot like choosing any other service provider - be sure to find someone that you are comfortable working with, because the process of getting a loan takes at least a month - sometimes longer.
Here are 4 reasons to choose a loan officer before you choose a Realtor:
Maybe... but these 4 are usually enough to look for a loan officer first rather than a Realtor when buying a home.
Justin McHood is a loan officer living in the Phoenix, Arizona area. You can find Justin on Facebook, Twitter, ActiveRain or LinkedIn and he is happy to answer any mortgage-related questions that you may have.