​Mortgage 101: The Lender Panel

​Loan types, points, and the money behind every offer.

​Two offers come in at the same price. One buyer is VA with nothing down. The other is conventional with 20% down and a seller-paid buydown. Which one should the seller take?

​To advise either side, you need to answer that question. So we’re bringing in the people who can, side by side.

​Together we’ll walk through:

• ​Conventional, FHA, VA, USDA and jumbo, compared

• ​Prequalified vs. pre-approved vs. fully underwritten

• ​Points and buydowns, and when a seller-paid buydown beats a price cut

• ​Seller concessions by loan type

• ​Rate locks, the Loan Estimate and the Closing Disclosure, lined up with contract deadlines

• ​Appraisals from the lender’s side

• ​What makes an offer look strong to a listing agent

​Then the panel answers live: tables write questions for a buyer scenario, the lenders answer, and you compare their answers.

​You’ll leave with a one-page loan comparison and answers to your own questions.

​Bring your toughest financing question. Agents from every brokerage are welcome.

​Led by Steve Caron, with a panel of local lenders