在线抵押贷款人的利与弊

You can?t beat the ease of applying for a mortgage online, rather than going to a bank in person. But is it the best decision for you? Here are the pros and cons of online mortgage lenders that you should consider when you?re buying a home.

优点：花费的时间更少

If you?re busy or need to move quickly, then applying for a mortgage online may be a great choice for you. You won?t have to travel to the bank, find all your 单据, and copy and fax all those documents. Instead, you?ll simply upload everything you need right on the website. The time saved can be significant.

Con: It?s easier to make mistakes

While filling out forms online can be a great time-saver, it can also lead to more errors. You could misunderstand a question and provide the wrong information. It?s also more difficult to get answers to any questions you may have while you?re filling out the forms. You may have limited access to customer service, which is generally only available during business hours.

Pro: It?s easy to shop around

Because it?s so easy to access information from online lenders, 逛逛 is a breeze. Shopping for a mortgage is just like shopping for anything ? you should do your research to make sure you?re getting the best deal. Each lender will have its own rates and terms, and when you shop around online, you can easily compare them.

骗局：还有更多骗局

Scams are prevalent all over the Internet, and it?s no different with online mortgage lenders. When you?re shopping around, you may come across a deal or two that seem too good to be true. That?s a red flag. 抵押贷款诈骗者 会以低廉的价格吸引您或坚持某种费用或预付款。如果您有任何疑问，请对公司进行一些研究，以确保它们合法，否则可能会导致您的损失。

Pro: You?ll likely find lower rates and fees

In general, it?s not unusual for online mortgage lenders to offer lower rates and fees. After all, they don?t have the same kinds of operational costs that brick-and-mortar banks have. They can then pass those savings on to consumers. Even a slight reduction in your rate could save you serious cash over the long haul, which makes online lenders very attractive to many buyers.

缺点：您毕竟不符合低利率的条件

Online mortgage lenders attract new customers with promises of low rates, fees, and closing costs. But it?s important to read all the fine print. While they originally promise you a low rate, after you?ve filled out all your forms it may turn out that you don?t qualify. This could waste weeks of time and cause serious frustration. And you may be at the point where there?s no turning back if you want to close on the house, so you end up paying more.

最后，对于许多购房者来说，在线抵押贷款放贷者可能是一个不错的选择。通过了解在线获取贷款的利弊，您可以对最终决定更有信心。

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