“The Perfect Rate Is Costing You the Deal”

Every week, I see borrowers chasing the “perfect” lender or waiting for the “ideal” rate — while the deal they could’ve closed slips away. In real estate, hesitation is expensive. The market doesn’t care how good your rate is if you never close.

Section 1: The Hidden Cost of Delay

• While you're shopping for 0.25% better terms, the property goes pending.

• While you're waiting for a lender to respond, your contractor books another job.

• While you're comparing options, your broker moves on to the next ready borrower.

  
  

Section 2: What Actually Matters

• ✅ Speed of execution

• ✅ Certainty of funding

• ✅ Flexibility in structure

• ✅ Responsiveness and follow-through

  
  

Section 3: The Myth of the “Perfect Lender”

• No lender is perfect. But the right lender is present, clear, and committed.

• A slightly higher rate with fast funding beats a low rate that never materializes.

• The best deals are built on trust, not spreadsheets.

  
  

Section 4: How to Shift Your Mindset

• Ask: “Can I close with this lender today?”

• Prioritize deal certainty over theoretical savings.

• Build relationships with lenders who communicate and follow through.

  
  

The perfect rate doesn’t exist. But the perfect deal does — and it’s the one you actually close. Stop chasing perfection. Start closing deals.