mls-selling my house and home insurance quotes

LowerMyBills.com

The mission of LowerMyBills.com is simply to help every American household save money for the important things in life.

I came up with the idea for LowerMyBills.com after my wife and I
bought our first house. I was just plain frustrated trying to find the best offers for everything from insurance to long distance. It was not just frustrating, it was time consuming, and I could never be sure I was getting the best deal.

MLS - multiple listing service

This can be one of the most expensive fees when it comes to your real estate. If you list your house w/ a realtor you can pay as high as 3% just to put your house on the MLS. That's it. That is all a realtor does. It takes little effort and little research to list a house. I give most of the credit to the Buyers agent. He is the one that actually drives the clients around and finds them a house. He deserves at least 3%. If you are interested in listing your house on the MLS, we have a small one-time fee to put your house on the market. For more information on listing your house, click here.

Insurance quotes

Insurance can be very costly if you do not know who the players are in the field. There are insurance companies and insurance brokers. If you go directly to a company, you are stuck with their quote and their products only. If you go to a broker, then they shop around for you and find you the best quote. You do not have to do any shopping around, because that is their job. If you are in the market for Homeowners Insurance or auto I would strongly suggest looking for a broker. I have included a list of brokers below for your reference.

Brokers Vs. Bankers

The difference between a broker and a banker is Yield Spread Premium.
A Broker has to disclose what they're making on the backside. A Banker does not have to disclose that information. If you are shopping around I would highly suggest speaking with a broker. Furthermore, a Banker has in house underwriters where a broker has to submit the file to another bank to get approved. This process will take the same amount of time as having an in house underwriter. This is due to first come first serve bases. The bankers that do have an in house underwriter have to wait just as long to get a file underwritten as any broker because of this rule.

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