Homebuyers Beware: Who’s Ripping You Off Now?—What You Must Know About the New Rules of Mortgage and Credit

30. Final Thoughts

Although we all hate deception, overcharges, and rip-offs, I can’t end this book without adding a word of caution. No good can come from treating your loan officer like a crook who’s about to get caught. If you feel that way, then that loan officer is not the right match for you. Once you’ve found your mortgage star—a loan officer who is ethical and who works as your advocate—you can relax. You don’t need to check up on them every day, driving them crazy like a kid on a road trip who says, “Are we there yet,” every few miles.

In their zealous desire to get good financing, some people go overboard and make a royal nuisance of themselves, which leads the loan officer to charge them more for the extra time and grief they’re causing. ...