What I Learned From Years of Experience in Mortgage Lending That Every Homeowner Should Know

U.S. Capitol Building and the Federal Reserve

I spent years in the mortgage lending space shaping experience before I focused on real estate full time. Incoming offer and loan structures dictate how I see the industry and how I approach every transaction.

Here is what I learned.

Lenders and real estate agents are often working toward different outcomes than the homeowner. Not because they are bad people. Because the incentives are structured differently. The lender gets paid when the loan closes. The agent gets paid when the sale closes. Neither of those outcomes is the same as the homeowner getting the best possible result.

That does not mean everyone is working against you. Most people in this industry are trying to do right by their clients. But understanding the incentive structure helps you ask better questions and make better decisions.

What questions should you be asking? What does the fine print actually say? What are the real costs of the transaction on both sides? What does the net number look like after everything is settled?

These are the questions I was trained to ask on the lending side and they are the same questions I bring to every real estate transaction.

If you want to work with someone who will walk you through the whole picture, not just the parts that are convenient to share, I am here.

Currently, I am only focused on real estate. I am not licensed to do mortgage loans.

Shane Nasu DRE 01752923 (714) 926-9190 shane@shanenasu.com