Bridget's Blog


Is a FREE Appraisal Really FREE?

Is a FREE Appraisal Really FREE?


I had a past client call me to let me know that he was in the middle of a refinance with another lender but he was uncomfortable.

While I never like to hear that one of my clients went elsewhere, I am always grateful when they need the right advice and return to me!   He asked that I review the loan estimate the lender had provided and let me know that they told him they would give him a free appraisal.  I told him that I would be happy to let him know if it was a good loan for him or not.


After reviewing the loan estimate, I found that not only was I able to provide an interest rate that was almost 1/2% lower (saving more than $60/mo on the monthly payment they quoted), I was able to do the loan for more than $6000 less in fees.  




When I let him know, he asked what I needed from him to move forward.   


In this case, that FREE Appraisal certainly was not FREE!   I am so glad that this client paid attention to his gut feeling and reached out.  My guess is that he won't look elsewhere again!


While we are not always (or even usually) this much less than other lenders, we are always competitive and we work hard to make sure that you are confident that we are working in your best interest. 





Warm Regards,

Bridget McGee  Maryland Mortgage Mama  NMLS# 196068  SWBC Mortgage.   410-960-2061 EHO or


If you are considering purchasing a home in Maryland and want to be sure you are mortgage ready, my brother Tony and I will be happy to help! We help to make the mortgage process a pleasure! 

If you already own your home, we are happy to provide a no-cost mortgage review to help you to determine if refinancing may be in your best interest.  Please contact me at 410-960-2061.

Comment balloon 2 commentsBridget "Mortgage Mama" McGee • January 19 2017 05:07AM


WOW!  That's amazing, and good for you for offering to review his documents from a competitor... That's how a professional responds. and so glad what you gave out came back to you tenfold!  Congratulations!

Posted by Gloria Valvasori, Accredited Senior Agent, REAL Experience | REAL Commitment | REAL Results! (BETTER HOMES AND GARDENS REAL ESTATE SIGNATURE SERVICE) about 4 years ago

Sometimes the best help you can give is a professional second opinion.

Posted by MichelleCherie Carr Crowe Just Call...408-252-8900, Family Helping Families Buy & Sell Homes 40+ Years (Get Results Team...Just Call (408) 252-8900! . DRE #00901962 . Licensed to Sell since 1985 . Altas Realty) about 4 years ago