Whether you are purchasing a home or refinancing your current home, obtaining a mortgage is an important decision.  We encourage shopping around to find the perfect ambassador for this endeavor.  The right professionals can take what could be an extremely stressful event for you off your hands.  However, the right professionals will care not only about the interest of your loan but about the very best interest of you and your family and that is why we have this WARNING page.

Many others may try to lure you with their rates and the option of a “FREE Credit Analysis.”  Well, sorry to say nothing in this world is free, including your credit check and unfortunately you  may pay the price.

Did you know that too many inquiries into your credit adds a NEGATIVE comment to your credit report.  This negative comment deducts points from your overall credit score.  So?  The lower your credit score- by even a few numbers- the higher you interest rate and that costs you dollars.  So, while we stress the importance of shopping around, we suggest you do so by meeting with your potential loan agents and interview THEM before they interview YOUR credit.  When you find the professionals you want to work with, then and only then, have your credit checked.  We hope we have provided you with a valuable service by discussing this issue with you and hope we can be of service to you and your family further in the future.

All of our best,

Phil Kennedy and the Kennedy Mortgage Group