Century 21 Affiliated
Barry Shaw - CENTURY 21 Affiliated - Hudson WI

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Barry goes above and beyond for each client whether buying or selling, regardless of the price point.

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Everybody wants the best mortgage rate they can get, even when rising rates aren’t in the news. But with rates going up lately, people are desperate to find the best deal they can get.

Of course shopping for the best rate is a good thing to do, but more importantly, you should pay attention to whether or not that lender with a sweetheart rate is actually going to get you to the closing table!

It’s funny how lenders want to look at your credit history, your ability to keep a job, and your financial stability, but many home buyers don’t think too much about whether the lender is reliable and a good risk. And yes, the lender you choose to go with is a risk in any market, but all the more so lately…

Whether it’s because they hired too many people to keep up with demand over the past few years, poor management, or that they just can’t handle the market shift, many mortgage lenders are laying off lots of employees, if not entirely going out of business. This is leaving buyers in the lurch in the middle of buying a home, and sometimes just days before their closing.

Picture being totally qualified and going through the majority of the application and underwriting process. Then bam, a day or two before closing, your lender reveals they’re going belly up and won’t fund anymore loans. While that isn’t the norm, it can and does happen.

There’s a simple solution: turn to your real estate agent for his or her advice and connections in the business. Go with a lender your agent trusts, can get on the phone, have open lines of communication with, and ultimately push for resolutions when there’s an issue.

And don’t be concerned that your agent is recommending someone because they get a piece of the action; there are laws in place to make sure agents aren’t recommending a lender for their own financial gain.

That’s not to say you shouldn’t shop for the best rate possible. Just make sure you’re doing so with lenders that are solid and aren’t in danger of going out of business, or laying off employees to the point that it’ll affect your ability to get your loan in a timely manner, or at all. This is timeless advice, but all the more critical now when so many mortgage companies are either laying off employees or going out of business.

Many homebuyers are tempted to shop for the lowest mortgage rate and trust one who entices them with a tempting rate. Unfortunately, not only do they often switch the initial rate they quoted (or just stuff hidden fees in to make up for the lower rate), there’s always a chance the lender can’t get the loan closed. That’s especially possible now, with so many lenders laying off employees and some going out of business entirely.
While others may gamble with their home purchase, make sure you don’t roll the dice by going with a lender who may offer an enticing rate, but is otherwise a risky bet. Ask your real estate agent for his or her list of recommended lenders.
The lenders an agent tends to recommend are:
Ones who’ve proven they’re reliable and get their clients’ loans approved and closed in a timely manner.
Ones who’ll honor the rate and terms they quoted. (Not ones who offer a lower rate to get you hooked and then sneak in fees or a higher rate once you’re too far along to switch.)
Ones who communicate with them and their clients, and are responsive when there are issues.
Ones who offer competitive (if not the lowest) rates compared to other lenders.
Going with a lender your agent recommends could easily be worth more to you than any of the potential savings you may (or may not) get from another lender.

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What my clients are saying  

Barry is the best in the business! He exceeds expectations and truly cares about the people he is working with! Thanks Barry, we look forward to working with you again.


~ Kelli Joy

"Great experience would use Barry again. All worked out well. Excellent experience."


~ Collette

First time home buyer, and he was great to work with! I will definitely be using Barry in the future! Best guy in the business!


~ Jon K.

"Pleasure to work with. Answered all of our questions and always responded promptly. Made his schedule flexible to fit ours. Overall great experience."


~ Brad

"Barry helped my husband and I buy our first house. A lot of people advised me when I started talking about the home buying process that it was very stressful and time consuming. Yes, it felt a little stressful but I have to say buying our first house was a smooth transaction. Barry was excellent with communication. I prefer using my email since I don't always have my cell phone on me. Barry was very quick at replying to all my emails and was always very polite. Barry was also very professional when setting up showings for us, showing the house and at closing. When we received a counter offer on the house from the owner I wasn't sure how to go about it. Barry walked me through all possible options. The options he gave with his opinions felt trustworthy (he wasn't just trying to make the sell). I also really liked that Barry was laid back. He has a calm and friendly demeanor, made him a pleasure to work with!"


~ Katarina

I chose to work with Barry because he was recommended by a good friend. Barry was amazing. The process went smoothly because he constantly kept us up to date on EVERYTHING. I have already recommended Barry to a few people.


~ Liz

I was purchasing this home from out of state and Barry carefully chose a beautiful home for me and my price range.He carefully listened and answered all questions and was always available.I would highly recommend him!This was the perfect place to come home to.


~ Mike

This realtor is more on selling your home and investing his time and money into it. He works with you and is very respectable of your home. I have not found another realtor that cares about you selling your home instead of how much money they make. He is the best by far!! I have also heard from others how nice this person is and how helpful he is; who goes out of his way to please!


~ KT N

Barry was wonderful to work with, especially as I was a first-time home buyer and being completely novice with the home buying process. From working with me on affordable homes and proffering advice, and knowing when it was right to delegate concerns as appropriate, Barry definitely knew my needs and interests in a home. His approach is no-nonsense. Definitely not pushy. On the contrary -- On the day I saw the home of my dreams, there were still a couple homes on the list to check out and he had asked me if I was sure I didnt want to see them. I'd said no, but it was fantastic he encouraged me to try one or two other homes. But even my mum has an old adage - when the right house is found, one knows straightaway that is the one. And he was very helpful for a post-sale issue too. Am most grateful! And he's right - living in Wisconsin is fantastic. Barry is highly recommended - again, much thanks!


~ David

If you are looking for a new home Barry Shaw is your guy. He is excellent! He found us the home of our dreams and helped us with all of our questions through closing. Thank you Barry!!


~ Robb

Barry understands all the emotions you go through when buying/selling your home. He responded to emails quickly. He set up home showings quickly for my husband and I to view. His negotiation skills are excellent. I highly recommend Barry to sell your house or find the house you always wanted! He found the perfect house for my family.


~ Jennifer

It was very enjoyable to have Barry show us houses in Prescott,WI. and surrounding areas. He was responsive in showing us the homes we were interested in, with no pressure. He was very helpful.


~ MC

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