Most people start a mortgage conversation with the wrong question: ❌ “What’s your rate?” That’s actually how lenders spot an uninformed borrower — and it’s where they win big by hiding thousands in fees behind a “low” rate. Instead, ask smarter questions about total costs, lock terms, and lender credits. Because the lowest rate doesn’t always mean the best loan. Whether you’re buying a home or thinking about refinancing, reach out — I’ll walk you through how to compare quotes the right way. 📩 D