If you are looking for the best, you need to take a perspective: "Charging a commission" is the same as "earning a commission". We all know you don't want to do business with people who don't make money, right? The better position for you to be in is to know how much money your service provider is earning. Then you know what to expect and what to demand. Know this truth and all the rest will be clear: You ask for the best price or the best service - you will never get both. You can't change that. Just decide what's best for you.
I am not familiar with ENG Lending, but any lender or broker you work with will earn money by providing you with financing. You can typically lower your upfront costs by choosing a higher rate, but this has obvious trade-offs as you will have a higher payment and pay more interest over time. A professional loan officer should be able to walk you through which loan program and rate/fee combination would work best for you and your goals.
Are you inquirying about possible ING??? WITH the orange logo?? linda they are a financial product company
Brokers need to make income, either with up-front fees, or by getting paid by the lender, based on a slightly higher interest rate.
Never heard of ENG but have with ING. Lenders have to get paid, would you work for free? The question is how they get paid? Is it with you paying them and getting a cheaper rate or paying with a higher rate.
No one, not banks, brokers, or any sort of lender works for free... Do you work for free?
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