Use this to answer my question. What is the rating of the borrowers that advertised rates are generally for?

Nobel Prize recipient, Richard Thaler, in his research into seemingly irrational economic behaviors, "found that consumers generally search too little, get confused while evaluating complex alternatives, and are slow to switch from past choices, even if it costs them." "Why are consumers leaving money on the table?"

Based on this behavior, a borrower securing a mortgage might depend on their existing banking relationship or a single referral from a friend or agent rather than shopping multiple lenders.

When shopping for a lower mortgage rate, consider that not all lenders share the same business practices. Some may lure unsuspecting borrowers to a rate, knowing full well that they cannot deliver on it. After making a loan application and supplying information necessary for approval, they reveal that the rate is not available for "whatever" reason.

They’re counting on the borrower wanting to get into the home because the closing date is near and they’ll compromise by accepting the higher than quoted rate.

Shopping for a mortgage rate can result in savings because rates are set by individual lenders. To get an apples-to-apples comparison, the terms of the mortgage being shopped should be consistent among the lender candidates.

Consumers can make additional savings by not only shopping for better rates but for better terms and fees, which can vary widely among lenders.

The amount of savings can be affected not only by the difference in rates, but the size of the mortgage and the length of time borrowers expect to keep it without refinancing or selling.

Advertised rates are generally for A++ borrowers and the determination is the lender’s based on many factors. It may be unlikely those rates are offered to you.
A recommendation for the best lender from a friend or family member will not necessarily be the best for you.
Instead of accepting the first offer received, shop for at least three to five offers.
Your personal bank may be convenient but it may not offer you the best rate, terms, and fees.
Ask if there is room to negotiate the rate or fees.
Ask your real estate professional for recommendations of several trusted lenders for you to shop a rate, terms, and fees.
system
mere prashn kaa uttar dene ke liye iskaa upyog karen.udhaarkartaaon kii reating kya he jo vigyaapit daron ke liye aam taur par hai?

nobel puraskaar praptakarta, richard theller ne apane shodh main, tarkahin aarthik vyavhaaron main apane shodh main, "paaya ki upabhokta aamtaur par bahut kam khoj karte hai, jatil vikalpon kaa moolyankan karte samay bhramit ho jate hai, or pichley vikalpon se switch karne ke liye dhime hote hai, bhale hi yah unki laagat ho.""upabhokta mej par paise kyon chhod rahe hai?"

is vyavhaar ke aadhaar par, ek bandhak ko surakshit karne vaala udhaarkarta kai udhaardaataaon kii kharidari ke bajaay unke maujuuda banking sambandh yaa kisi mitra yaa agent se ekal refral par nirbhar ho saktaa he.

kam bandhak dar ke liye kharidari karte samay, vichaar karen ki sabhi rindaata samaan vyavsaayik prathaon ko saajha nahin karte hai.kuch log udhaarkartaaon ko ek dar par le ja sakate hai, yah acchhee tarah se jaanate hue ki ve is par vitarit nahin kar sakate.ek rin aavedan karne or anumodan ke liye aavashyak jaankaree kii aapurti karne ke baad, ve bataate hai ki yah dar "jo bhi" kaaran ke liye uplabdh nahin he.

ve ghar main jane ke icchhuk udhaarkarta par bharosa kar rahe hai kyonki samaapan tithi nikat he or ve uddhrut dar se adhik ko sweekaar karke samjhauta karenge.

bandhak dar ke liye kharidari se bachat ho sakati he kyonki daren vyaktigat udhaardaataaon dwaara nirdhaarit kii jaati hai.seb-tu-apipiel kii tulana karne ke liye, bandhak kii kharidari kii sharten rindaata ummidavaaron ke bich susangat honi chahie.

upabhokta na keval behatar daron ke liye balki behatar sharton or shulk ke liye kharidari karke atirikt bachat kar sakate hai, jo udhaardaataaon ke bich vyapak rup se bhinn ho sakate hai.

bachat kii maatra na keval daron main antar se prabhavit ho sakati he, balki bandhak ke aakaar or samay kii lambaai udhaarkartaaon ko punarvitt yaa bikri ke bina ise rakhane kii ummid he.

vigyaapit daren aam taur par ++ udhaarkartaaon ke liye hoti hai or drudh sankalp rindaata ke kai karkon par aadhaarit hota he.yah sambhaavna nahin ho sakati he ki un daron kii peshkash kii jaati he.
ek dost yaa parivaar ke sadsy se sarvshereshth rindaata ke liye ek sifarish jaruri nahin ki aapke liye sabase acha ho.
praapt pehle prastaav ko sweekaar karne ke bajaay, kam se kam teen se paanch ofar ke liye kharidari karen.
aapkaa vyaktigat bank suvidhajanak ho saktaa he lekin yah aapako sarvottam dar, sharten or shulk pradaan nahin kar saktaa he.
puuchhen ki kya dar yaa shulk par baatcheet karne ke liye jagah he.
dar, sharton or shulk kii kharidari ke liye kai vishwasaneey udhaardaataaon kii siforeeshon ke liye apane real estate peshewar se puuchhen.
user
vigyaapit daren aam taur par ek ++ reating ke saath udhaarkartaaon ke liye hoti hai.
assistant
<|system|>
</s>
<|user|>
mere prashn kaa uttar dene ke liye iskaa upyog karen.udhaarkartaaon kii reating kya he jo vigyaapit daron ke liye aam taur par hai?

nobel puraskaar praptakarta, richard theller ne apane shodh main, tarkahin aarthik vyavhaaron main apane shodh main, "paaya ki upabhokta aamtaur par bahut kam khoj karte hai, jatil vikalpon kaa moolyankan karte samay bhramit ho jate hai, or pichley vikalpon se switch karne ke liye dhime hote hai, bhale hi yah unki laagat ho.""upabhokta mej par paise kyon chhod rahe hai?"

is vyavhaar ke aadhaar par, ek bandhak ko surakshit karne vaala udhaarkarta kai udhaardaataaon kii kharidari ke bajaay unke maujuuda banking sambandh yaa kisi mitra yaa agent se ekal refral par nirbhar ho saktaa he.

kam bandhak dar ke liye kharidari karte samay, vichaar karen ki sabhi rindaata samaan vyavsaayik prathaon ko saajha nahin karte hai.kuch log udhaarkartaaon ko ek dar par le ja sakate hai, yah acchhee tarah se jaanate hue ki ve is par vitarit nahin kar sakate.ek rin aavedan karne or anumodan ke liye aavashyak jaankaree kii aapurti karne ke baad, ve bataate hai ki yah dar "jo bhi" kaaran ke liye uplabdh nahin he.

ve ghar main jane ke icchhuk udhaarkarta par bharosa kar rahe hai kyonki samaapan tithi nikat he or ve uddhrut dar se adhik ko sweekaar karke samjhauta karenge.

bandhak dar ke liye kharidari se bachat ho sakati he kyonki daren vyaktigat udhaardaataaon dwaara nirdhaarit kii jaati hai.seb-tu-apipiel kii tulana karne ke liye, bandhak kii kharidari kii sharten rindaata ummidavaaron ke bich susangat honi chahie.

upabhokta na keval behatar daron ke liye balki behatar sharton or shulk ke liye kharidari karke atirikt bachat kar sakate hai, jo udhaardaataaon ke bich vyapak rup se bhinn ho sakate hai.

bachat kii maatra na keval daron main antar se prabhavit ho sakati he, balki bandhak ke aakaar or samay kii lambaai udhaarkartaaon ko punarvitt yaa bikri ke bina ise rakhane kii ummid he.

vigyaapit daren aam taur par ++ udhaarkartaaon ke liye hoti hai or drudh sankalp rindaata ke kai karkon par aadhaarit hota he.yah sambhaavna nahin ho sakati he ki un daron kii peshkash kii jaati he.
ek dost yaa parivaar ke sadsy se sarvshereshth rindaata ke liye ek sifarish jaruri nahin ki aapke liye sabase acha ho.
praapt pehle prastaav ko sweekaar karne ke bajaay, kam se kam teen se paanch ofar ke liye kharidari karen.
aapkaa vyaktigat bank suvidhajanak ho saktaa he lekin yah aapako sarvottam dar, sharten or shulk pradaan nahin kar saktaa he.
puuchhen ki kya dar yaa shulk par baatcheet karne ke liye jagah he.
dar, sharton or shulk kii kharidari ke liye kai vishwasaneey udhaardaataaon kii siforeeshon ke liye apane real estate peshewar se puuchhen.</s>
<|assistant|>
vigyaapit daren aam taur par ek ++ reating ke saath udhaarkartaaon ke liye hoti hai.</s>
