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We are looking to build a home and think we have found the one. We just got pre-approved by USAA to help with negotiations. I'm not certain if I want to use USAA Mortgage so should I go out and do some more shopping right now while I would only take one HP or should I wait until the house is getting closer to finished? They quoted us at 120 days build time on the house. Do most pre-approvals last that long or would I have to take another HP anyway? USAA said they will extend the pre-approval for us past the 90 day limit if we need to. The builder offers $1750 in closing costs if we work with their preferred lender which is a smaller local lender.
Any suggestions on whether a broker is better than a bank? Anybody have any experience with USAA mortgage? We are full members.
Definately talk to their lender. Get a GFE from both and take the better deal. It's always a good idea to shop around. A house is the biggest purchase most people will make in their lifetimes, why wouldn't you shop around for the best deal on the financing?