06/07/2026
Great Communication and Responsiveness
As in life, money isn’t everything when it comes to mortgages. Finding a lender that you work well with matters just as much. Does the lender help guide you through the process? Do they answer your questions promptly? Respond to emails in a timely fashion? Do you have an easy way to know what is happening with your loan at each and every stage? The peace of mind you’ll get with “yes” answers to these questions can be just as valuable as money.
Vetting lenders to see if they’re excellent and responsive communicators is key, given that the mortgage underwriting process often takes 30 days. During this time, the lender will be asking for income verification, rental history, and other documents needed to verify your credit worthiness. Because timeliness during this process can make all the difference between a swift closing and the headache and stress of delays, it’s important to get a sense of how urgent the lender/officer treats your emails and requests.
A good lender will be willing to answer your questions and be open with you throughout the process. Feel free to ask them to explain different options in easily understandable language. Also ask who will be servicing your loan—it’s who you will be making those mortgage checks out to each month that will be part of your life for the next few decades.
At the end of the day, your mortgage loan will be originated, processed, approved and closed by people, software and institutions will be the platforms that allow individuals to do their jobs, but you are choosing people to help with the single biggest financial decision most people will make. If you trust in your lender, chances are you have chosen well
