There are a lot of places to get a loan these days, and we appreciate that you have taken the time to visit our website. We have found that the best assistance we can provide to customers and potential customers is help them ask the right questions. Sometimes a great rate isn't so great when you factor in all the details of your loan. Here are some very good questions you should be asking your lender, before you get a loan:

1. Are there any points or other origination fees being charged?

2. What are my total closing costs?

3. Are there any prepayment penalties?

4. How much of a down payment is required for this loan?

5. Will I have to pay private mortgage insurance (PMI) to qualify?

6. Who will service my loan?

We at FCN are certain that we are competitive with all institutions' rates when all cost factors are included. All banks are subject to the same market forces, so if you hear a rate that sounds too good to be true, make sure you check all costs involved. You may not be getting the deal you think you are getting.