Second opinion · Chicago-based · Licensed in IL, IN, KS, MI, NJ, TX
Get a second opinion before you become somebody’s lead.
Fill out a rate form on a comparison site and your name and number go to a queue of lenders who each paid for the privilege. Here, one licensed originator reads your numbers and tells you what he sees. Sometimes what he sees is that the offer you already have is fine.
No application, no credit pull.
Got it. That is with Jeff Shin.
He reads these himself, so the reply comes from him and not from a queue. If you gave a phone number he will use the window you picked.
Need it sooner? (708) 669-8304.
What happens to what you tell us. Jeff Shin reads it, NMLS #1041652. It is not sold, and it does not go to a panel of lenders bidding for the right to call you. If a lender has to see your file to price it, you hear which lender and why before that happens. Longer version, in the language lawyers prefer: the privacy policy.
The other door
Not ready to talk to anyone?
Then don’t. If you are six months out, an application is useless to you. Run the numbers yourself, or leave the rate that would change your mind and we will email you when the market gets there.
Run the payment yourself
Principal, interest, taxes and insurance, including the two costs most calculators leave out. No email until you have a number.
See whether a refinance pencils
How many months of savings it takes to pay back what the refinance costs. If that is longer than you plan to stay, you have your answer.
Buying a rental? Check the DSCR
Whether the property carries its own debt at the ratio lenders require. Cap rate and cash-on-cash included.
Every calculator is at /calculators/. This week’s benchmark, dated and sourced, is on the rates page: the Freddie Mac survey average with the last 52 weeks behind it.
Or have us watch it for you
Tell us the number that would make the math work. You get an email when the market gets there. Nothing else happens.
“Jeff Shin was able to help us make a dream come true and get us into our forever home. The process was very easy and straightforward, and if any questions came up he was quick to resolve them.”Verified client · Purchase
“I had a great experience with Jeff. Especially if you are a first home buyer, Jeff is a great choice to work with. All questions you have, he will answer and help you.”Verified client · First-time buyer
“This is my second time dealing with Jeff. He has been very helpful, knowledgeable, and looking for the best way to help my husband and I. He responds very quickly and is always attentive.”Verified client · Repeat client
“Jeff went above and beyond to help us step by step through the process and make everything so much easier. He takes the time to explain everything and make sure you understand.”Verified client · Purchase
Who reads your file
Jeff Shin
Licensed mortgage originator, NMLS #1041652, working out of Chicago and licensed in Illinois, Indiana, Kansas, Michigan, New Jersey, Texas. This site argues for fit over rate because the lowest number on a quote sheet is so often attached to the wrong loan.
If your current offer is already good, that is what you will hear. Shorter conversation, and the honest one.
Jeff Shin · NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106 · Illinois Residential Mortgage License #MB.6761630