Your Home Loan Timeline: From Yes to Closing

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Everyone wants the lowest mortgage rate — and for good reason. Even a small difference in your rate can mean thousands of dollars saved over the life of your loan.

But here’s what most people don’t know:
 It’s not just about the rate you’re quoted. It’s about the structure, the timing, and who’s negotiating for you.

At Stairway Mortgage, we do things differently — because we’re brokers, not bankers. Here’s what that means for you.

1. A Banker Offers One Rate. A Broker Shops Dozens.

When you go to a traditional bank or credit union, they’ll only offer their own loan products.
 It’s like walking into a shoe store that only sells size 9s.

We’re mortgage brokers — we work with 30+ lenders.
 That means we shop around on your behalf and present the best available offers based on your goals.

2. The Lowest Rate Isn’t Always the Best Deal

Sometimes the lowest advertised rate comes with:
 • Higher closing costs
 • Temporary buydowns
 • Poor long-term flexibility

We look beyond the sticker price and help you compare the total cost of the loan over time — including taxes, insurance, and future refinance options.

3. Rate Lock Timing Matters

Rates change daily — sometimes multiple times per day.
 Knowing when to lock in your rate is just as important as what rate you lock in.

We track the market and guide you on the right time to:
 • Lock your rate
 • Float with caution
 • Re-lock if conditions improve

Our timing strategy has saved clients thousands — without the guesswork.

4. We Structure Your Loan to Fit Your Strategy

Want to put less down? Go interest-only? Keep payments low for a few years?

We don’t just find a rate — we design your loan to match your real-life goals.

Our advisory approach means we’ll factor in:
 • Future refinance plans
 • Tax deductions
 • Investment timelines
 • Exit strategies if you’re moving again soon

5. Credit, Down Payment, and Loan Type Impact Rate

You don’t need a perfect 800 score to qualify — but knowing how your credit, income, and loan type impact your rate is critical.

We’ll show you how a small tweak (like paying off a credit card or adjusting your loan amount) could lower your rate and monthly payment instantly.

Ready to Take Your First Step?

Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.

  • 💡 Takes just 5 minutes
  • 📊 Tailored results based on your answers
  • 🔒 No credit check required
Take the Discovery Quiz

Need a Pre-Approval Letter—Fast?

Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.

  • 💡 Only 2 minutes to complete
  • 📊 Quick turnaround on pre-approval
  • 🔒 No credit score impact
Get Pre-Approved Now

Got a Few Questions First?

Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.

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