{"id":2771,"date":"2013-09-24T09:13:18","date_gmt":"2013-09-24T17:13:18","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2771"},"modified":"2013-09-24T09:13:30","modified_gmt":"2013-09-24T17:13:30","slug":"select-mortgage","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/select-mortgage\/","title":{"rendered":"\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3067\u5931\u6557\u3057\u306a\u3044\u3000-\u3000\u62bc\u3055\u3048\u3066\u304a\u304f\u3079\u304d\u30dd\u30a4\u30f3\u30c8"},"content":{"rendered":"<p>\u79c1\u305f\u3061\u304c\u4e00\u8ed2\u76ee\u306e\u5bb6\u3092\u8cfc\u5165\u3057\u305f\u3068\u304d\u306f\u3001\u65e5\u672c\u304b\u3089\u6765\u305f\u3070\u304b\u308a\u3067\u5bb6\u306e\u8cfc\u5165\u30d7\u30ed\u30bb\u30b9\u306a\u3069\u3088\u304f\u77e5\u308a\u3082\u305b\u305a\u3001\u3057\u304b\u3082\u5f53\u6642\u306f\u7c21\u5358\u306b\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u3067\u691c\u7d22\u3057\u3066\u30ed\u30fc\u30f3\u4f1a\u793e\u3092\u63a2\u3059\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u3082\u7c21\u5358\u3067\u306f\u306a\u304b\u3063\u305f\u306e\u3067\u3001\u4e0d\u52d5\u7523\u5c4b\u3055\u3093\u306e\u3044\u3046\u306a\u308a\u306b\u85a6\u3081\u3089\u308c\u305f\u9280\u884c\u304b\u3089\u30ed\u30fc\u30f3\u3092\u501f\u308a\u308b\u904b\u3073\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u5f53\u6642\u306f\u3001\u4eca\u306e\u3088\u3046\u306a\u5f62\u5f0f\u306eGFE(Good Faith Estimate \u2013\u3000\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306e\u6761\u4ef6\u3084\u95a2\u9023\u30b3\u30b9\u30c8\u3092\u3059\u3079\u3066\u5217\u8a18\u3057\u305f\u898b\u7a4d\u66f8)\u306f\u306a\u304f\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3092\u300c\u30b7\u30e7\u30c3\u30d7\u30a2\u30e9\u30a6\u30f3\u30c9\uff08\u3044\u304f\u3064\u304b\u3042\u305f\u3063\u3066\u6761\u4ef6\u306e\u3088\u3044\u6240\u3092\u63a2\u3059\uff09\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u3053\u3068\u3082\u77e5\u3089\u306a\u304b\u3063\u305f\u306e\u3067\u3001\u305d\u306e\u307e\u307e\u30ed\u30fc\u30f3\u3092\u7d44\u307f\u307e\u3057\u305f\u3002<\/p>\n<h2>\u4e0d\u52d5\u7523\u5c4b\u3055\u3093\u306b\u85a6\u3081\u3089\u308c\u308b\u30ed\u30fc\u30f3\u4f1a\u793e\u304c\u30d9\u30b9\u30c8\uff1f<\/h2>\n<p>\u304a\u305d\u3089\u304f\u4eca\u3067\u3082\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306f\u6848\u5916\u591a\u3044\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u5bb6\u3092\u8cfc\u5165\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u81ea\u4f53\u3001\u3075\u3064\u3046\u306e\u4eba\u306e\u4eba\u751f\u306710\u56de\u308220\u56de\u3082\u3042\u308b\u3053\u3068\u3067\u306f\u306a\u304f\u3001\u300c\u3088\u304f\u5206\u304b\u3089\u306a\u3044\u672a\u77e5\u306e\u5206\u91ce\u300d\u304c\u591a\u3044\u3082\u306e\u3067\u3059\u3002\u5bb6\u306e\u30aa\u30d5\u30a1\u30fc\u306e\u30cd\u30b4\u306a\u3069\u304c\u3084\u3063\u3068\u7d42\u308f\u3063\u3066\u5951\u7d04\u304c\u843d\u3061\u7740\u304d\u3001\u305d\u306e\u5f8c\u30a4\u30f3\u30b9\u30da\u30af\u30b7\u30e7\u30f3\u3084\u66f8\u985e\u53ce\u96c6\u306a\u3069\u5fd9\u3057\u3044\u3068\u304d\u306b\u8003\u3048\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3067\u3001\u3067\u304d\u308c\u3070\u306a\u308b\u3079\u304f\u7c21\u5358\u306b\u6e08\u307e\u305b\u305f\u3044\u3068\u601d\u3046\u306e\u3082\u5f53\u7136\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u305d\u3053\u306b\u3064\u3051\u3053\u3093\u3067\u8352\u7a3c\u304e\u3059\u308b\u30ed\u30fc\u30f3\u4f1a\u793e\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u3082\u6b8b\u5ff5\u306a\u304c\u3089\u3044\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u304a\u304f\u3053\u3068\u3082\u5fc5\u8981\u3067\u3059\u3002\u300c\u3088\u304f\u5206\u304b\u3089\u306a\u3044\u300d\uff0b\u300c\u30ed\u30fc\u30f3\u304c\u964d\u308a\u306a\u3044\u3068\u5bb6\u304c\u8cb7\u3048\u306a\u3044\u300d\uff0b\u300c\u9762\u5012\u304f\u3055\u3044\u300d\u306a\u3069\u306e\u8981\u7d20\u304c\u5408\u308f\u3055\u308b\u3068\u3001\u6d88\u8cbb\u8005\u306f\u975e\u5e38\u306b\u5f31\u3044\u7acb\u5834\u306b\u9665\u308a\u304c\u3061\u3067\u3059\u3002\u305d\u3082\u305d\u3082\u81ea\u5206\u305f\u3061\u306b\u3068\u3063\u3066\u30d9\u30b9\u30c8\u306a\u30ed\u30fc\u30f3\u3067\u306f\u306a\u304b\u3063\u305f\u3068\u5f8c\u3067\u308f\u304b\u3063\u305f\u308a\u3001\u5bb6\u306e\u8cfc\u5165\u30d7\u30ed\u30bb\u30b9\u304c\u7d4c\u904e\u3059\u308b\u306b\u3064\u308c\u3066\u975e\u5e38\u306b\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u56f0\u96e3\u306a\u4f1a\u793e\uff08\u3042\u308b\u3044\u306f\u62c5\u5f53\u8005\uff09\u3060\u3068\u308f\u304b\u3063\u305f\u308a\u3001\u3072\u3044\u3066\u306f\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u9593\u8fd1\u306b\u306a\u3063\u3066\u5f53\u521d\u3088\u308a\u3082\u30ed\u30fc\u30f3\u6761\u4ef6\u304c\u60aa\u304f\u306a\u3063\u305f\u308a\uff08\u305d\u308c\u3067\u3082\u5f8c\u623b\u308a\u306f\u3067\u304d\u306a\u3044\uff09\u3068\u3044\u308d\u3044\u308d\u306a\u554f\u984c\u304c\u6f5c\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e0d\u52d5\u7523\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u304c\u85a6\u3081\u308b\u30ed\u30fc\u30f3\u4f1a\u793e\u306f\u3001\u304a\u305d\u3089\u304f\u305d\u306e\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u304c\u4ee5\u524d\u306b\u4f7f\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3068\u3053\u308d\u3067\u3001\u305d\u308c\u306a\u308a\u306b\u4fe1\u983c\u304c\u304a\u3051\u308b\u4eba\u306a\u306e\u3067\u3057\u3087\u3046\u3002\u300c\u3042\u306e\u4eba\u306f\u304d\u3061\u3093\u3068\u3084\u3063\u3066\u304f\u308c\u308b\u306e\u3067\u3044\u3044\u3067\u3059\u3088\u300d\u3068\u85a6\u3081\u3066\u304f\u308c\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u308c\u3082\u975e\u5e38\u306b\u5927\u5207\u306a\u8981\u7d20\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u4e0d\u52d5\u7523\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306f\u3042\u306a\u305f\u306b\u3068\u3063\u3066\u30d9\u30b9\u30c8\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u898b\u3064\u3051\u308b\u3053\u3068\u306b\u4f55\u3089\u8cac\u4efb\u3092\u6301\u3063\u3066\u3044\u307e\u305b\u3093\u3002\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u3084\u624b\u6570\u6599\u306a\u3069\u6570\u5b57\u306e\u4e0a\u3067\u306e\u6761\u4ef6\u3082\u30ed\u30fc\u30f3\u9078\u629e\u306e\u5927\u304d\u306a\u8981\u7d20\u3067\u3059\u3002\u81ea\u5206\u306e\u8ca1\u52d9\u72b6\u6cc1\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u72b6\u6cc1\u3092\u628a\u63e1\u3057\u3001\u3082\u3063\u3068\u3082\u6761\u4ef6\u306e\u3088\u304f\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305f\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u63a2\u3059\u306e\u306f\u3042\u304f\u307e\u3067\u81ea\u5206\u306e\u8cac\u4efb\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u4e00\u756a\u30ec\u30fc\u30c8\u306e\u3088\u3044\u3068\u3053\u308d\u304c\u30d9\u30b9\u30c8\uff1f<\/h2>\n<p>\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3092\u63a2\u3059\u3068\u304d\u3001\u4e00\u756a\u6ce8\u76ee\u304c\u3042\u305f\u308b\u306e\u304c\u91d1\u5229\uff08\u30ec\u30fc\u30c8\uff09\u3067\u3059\u3002\u5ba3\u4f1d\u3084\u30cb\u30e5\u30fc\u30b9\u3067\u3082\u3088\u304f\u3001\u201cNow the mortgage rate is the lowest ever!\u201d\u3068\u304b\u201cThe rate has inched up a little\u201d\u306a\u3069\u3068\u3044\u3046\u3088\u3046\u306b\u91d1\u5229\u304c\u3069\u3046\u306e\u3053\u3046\u306e\u30fb\u30fb\u3068\u3044\u3046\u3046\u305f\u3044\u6587\u53e5\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u306d\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30a4\u30c8\u306b\u3044\u3063\u3066\u3082\u3001\u307e\u305a\u306f30\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u3044\u304f\u3089\u300115\u5e74\u30ed\u30fc\u30f3\u306e\u91d1\u5229\u3044\u304f\u3089\u30fb\u30fb\u3068\u3044\u3046\u8868\u793a\u3092\u898b\u304b\u3051\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u91d1\u5229\u306f\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306e\u4e00\u6761\u4ef6\u306b\u904e\u304e\u307e\u305b\u3093\u3002\u91d1\u5229\u3060\u3051\u306b\u7126\u70b9\u3092\u5f53\u3066\u308b\u306e\u306f\u3044\u3051\u307e\u305b\u3093\u3002<\/p>\n<p>\u30e2\u30ce\u3092\u8cb7\u3046\u3068\u304d\u306b\u306f\u3001\u8cea\u304c\u540c\u3058\u3067\u3042\u308c\u3070\u4fa1\u683c\u306f\u306a\u308b\u3079\u304f\u5b89\u3044\u307b\u3046\u304c\u3044\u3044\u308f\u3051\u3067\u3059\u304c\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306e\u30b3\u30b9\u30c8\u306f\u91d1\u5229\u3060\u3051\u3067\u6c7a\u307e\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u91d1\u5229\u306f\u30b3\u30b9\u30c8\u306e\u4e00\u8981\u7d20\u3067\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u30b3\u30b9\u30c8\u3092\u6c7a\u3081\u308b\u8981\u7d20\u306b\u306f\u4ed6\u306b\u3082\u30dd\u30a4\u30f3\u30c8\u3084\u624b\u6570\u6599\u304c\u3042\u308a\u307e\u3059\u3002\u91d1\u5229\u304c\u4f4e\u304f\u3066\u3082\u3001\u30dd\u30a4\u30f3\u30c8\u304c\u9ad8\u304b\u3063\u305f\u308a\u3001\u624b\u6570\u6599\u304c\u9ad8\u304b\u3063\u305f\u308a\u3059\u308b\u3068\u3001\u5168\u4f53\u7684\u306a\u30b3\u30b9\u30c8\u306f\u9ad8\u3044\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30ed\u30fc\u30f3\u306e\u30b3\u30b9\u30c8\u3092\u6bd4\u8f03\u3059\u308b\u3068\u304d\u306b\u306f\u3001\u3053\u306e\u91d1\u5229\u3068\u30dd\u30a4\u30f3\u30c8\u3068\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u306e\u3059\u3079\u3066\u3092\u5408\u308f\u305b\u305f\u7dcf\u5408\u30b3\u30b9\u30c8\u3067\u6bd4\u8f03\u305b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u30dd\u30a4\u30f3\u30c8\u306f\u524d\u6255\u3044\u91d1\u5229\u3068\u3082\u547c\u3070\u308c\u308b\u3082\u306e\u3067\u30ed\u30fc\u30f3\u958b\u59cb\u6642\u306b\u652f\u6255\u3044\u307e\u3059\u3002\u30dd\u30a4\u30f3\u30c8\u306b\u306f\u5358\u4f4d\u304c\u306a\u304f\u3001\uff11\u3068\u304b1.5\u3068\u3044\u3046\u6570\u5b57\u3067\u8868\u3055\u308c\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u30ed\u30fc\u30f3\u984d\u306e\uff11\uff05\u3042\u308b\u3044\u306f1.5\uff05\u306e\u984d\u3092\u30ed\u30fc\u30f3\u958b\u59cb\u6642\u306b\u652f\u6255\u3046\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002\u901a\u5e38\u3001\u4ed6\u306e\u6761\u4ef6\u304c\u4e00\u5b9a\u3067\u3042\u308c\u3070\u3001\u30dd\u30a4\u30f3\u30c8\u304c\u4f4e\u3051\u308c\u3070\u91d1\u5229\u306f\u9ad8\u304f\u3001\u30dd\u30a4\u30f3\u30c8\u304c\u9ad8\u3051\u308c\u3070\u91d1\u5229\u306f\u4f4e\u3044\u3068\u3044\u3046\u95a2\u4fc2\u304c\u3042\u308a\u307e\u3059\u3002\u30dd\u30a4\u30f3\u30c8\u306f\uff10\u3067\u91d1\u52294.375\uff05\u306e\u30ed\u30fc\u30f3\u3068\u3001\u30dd\u30a4\u30f3\u30c8\u306f\uff11\u3067\u91d1\u52294.25\uff05\u306e\u30ed\u30fc\u30f3\u306f\u3069\u3061\u3089\u304c\u30b3\u30b9\u30c8\u5b89\u304b\u306f\u3001\u305d\u306e\u5bb6\u306b\u3069\u306e\u304f\u3089\u3044\u4f4f\u3080\u4e88\u5b9a\u304b\u3001\u30ed\u30fc\u30f3\u3092\u9014\u4e2d\u3067\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u304b\u306a\u3069\u304c\u95a2\u4e0e\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u30dd\u30a4\u30f3\u30c8\u3068\u91d1\u5229\u306e\u3046\u3048\u3067\u306e\u6761\u4ef6\u306f\u975e\u5e38\u306b\u3088\u3044\u304c\u3001\u5b9f\u306f\u624b\u6570\u6599\u304c\u975e\u5e38\u306b\u5927\u304d\u3044\u30ed\u30fc\u30f3\u3067\u3042\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u304c\u5f8c\u3067\u5206\u304b\u308c\u3070\u3001\u7d50\u5c40\u306f\u975e\u5e38\u306b\u30b3\u30b9\u30c8\u9ad8\u3068\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2773 aligncenter\" alt=\"mortgage interest and APR\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/mortgage-interest-and-APR.png?resize=269%2C372&#038;ssl=1\" width=\"269\" height=\"372\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/mortgage-interest-and-APR.png?w=269&amp;ssl=1 269w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/mortgage-interest-and-APR.png?resize=216%2C300&amp;ssl=1 216w\" sizes=\"auto, (max-width: 269px) 100vw, 269px\" \/><\/p>\n<p>\u3053\u308c\u3089\u306e\u7406\u7531\u3067\u91d1\u5229\u3060\u3051\u306b\u7126\u70b9\u3092\u5f53\u3066\u306a\u3044\u3053\u3068\u304c\u3068\u3066\u3082\u5927\u5207\u3067\u3059\u3002\u91d1\u5229\u3001\u30dd\u30a4\u30f3\u30c8\u3001\u624b\u6570\u6599\u3092\u3072\u3068\u307e\u3068\u3081\u306b\u3057\u305f\u7dcf\u5408\u30b3\u30b9\u30c8\u3092\u56f3\u308b\u6307\u6a19\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u306f\u3001APR(Annual Percentage Point)\u3067\u3059\u3002\u3088\u304f\u91d1\u5229\u306a\u3069\u306e\u60c5\u5831\u306e\u6a2a\u306bAPR\u306e\u8868\u793a\u304c\u3042\u308a\u307e\u3059\u3002\u5b9f\u306f\u3053\u3061\u3089\u306e\u307b\u3046\u304c\u305a\u3063\u3068\u610f\u5473\u306e\u3042\u308b\u6570\u5b57\u3067\u3059\u306e\u3067\u3001\u30ed\u30fc\u30f3\u306e\u30b3\u30b9\u30c8\u3092\u6bd4\u8f03\u3059\u308b\u306e\u306fAPR\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u3072\u3068\u3064\u6ce8\u610f\u70b9\u304c\u3042\u308a\u307e\u3059\u3002APR\u306f\u3001\u30ed\u30fc\u30f3\u3092\u30ad\u30fc\u30d7\u3059\u308b\uff08\u5bb6\u3092\u58f2\u3089\u306a\u3044\u3001\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3057\u306a\u3044\uff09\u671f\u9593\u304c\u3042\u308b\u7a0b\u5ea6\u4ee5\u4e0a\uff0810\u5e74\u76ee\u5b89\uff09\u3067\u3042\u308b\u5834\u5408\u306b\u3001\u3088\u3044\u6bd4\u8f03\u57fa\u6e96\u306b\u306a\u308a\u3048\u307e\u3059\u304c\u3001\u305d\u306e\u671f\u9593\u304c\u77ed\u3044\u5834\u5408\u306b\u306f\u4e00\u6982\u306bAPR\u304c\u4f4e\u3044\u307b\u3046\u304c\u30b3\u30b9\u30c8\u5b89\u306e\u30ed\u30fc\u30f3\u3067\u306f\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3067\u306e\u5224\u65ad\u3082\u5fc5\u8981\u3067\u3059\uff08\u30ed\u30fc\u30f3\u4fdd\u6301\u671f\u9593\u304c\u77ed\u3044\u306a\u3089\u3001\u9577\u671f\u7684\u306a\u91d1\u5229\u304c\u3042\u308b\u7a0b\u5ea6\u9ad8\u304f\u3066\u3082\u306f\u3058\u3081\u306b\u6255\u3046\u30dd\u30a4\u30f3\u30c8\u3084\u624b\u6570\u6599\u304c\u4f4e\u3051\u308c\u3070\u7406\u306b\u304b\u306a\u3046\u5834\u5408\u3082\u3042\u308b\u3068\u3044\u3046\u3053\u3068\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6848\u5916\u898b\u843d\u3068\u3055\u308c\u304c\u3061\u306a\u30bd\u30d5\u30c8\u9762\u3068\u306f\uff1f<\/h2>\n<p>\u91d1\u5229\u306b\u7126\u70b9\u304c\u5f53\u3066\u3089\u308c\u304c\u3061\u3068\u3044\u3046\u3053\u3068\u3092\u66f8\u304d\u307e\u3057\u305f\u3002\u7dcf\u5408\u30b3\u30b9\u30c8\u6307\u6a19\u3068\u3057\u3066APR\u306b\u7126\u70b9\u3092\u5f53\u3066\u308b\u3053\u3068\u304c\u3044\u3044\u3068\u3044\u3046\u306e\u3082\u66f8\u304d\u307e\u3057\u305f\u3002\u3067\u306f\u3001\u91d1\u5229\u30fb\u30dd\u30a4\u30f3\u30c8\u30fb\u624b\u6570\u6599\u3068\u3044\u3046\u6570\u5b57\u9762\u3060\u3051\u3067\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3092\u6bd4\u8f03\u3057\u3066\u3088\u3044\u304b\u3068\u3044\u3046\u3068\u3001\u5b9f\u306f\u305d\u3046\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30e2\u30ce\u3092\u8cb7\u3046\u3068\u304d\u306b\u3001\u30b3\u30b9\u30c8\u9762\u306b\u3060\u3051\u7126\u70b9\u3092\u3042\u3066\u3066\u3001\u8cea\u306f\u3069\u3046\u3067\u3082\u3044\u3044\u3068\u3057\u306a\u3044\u306e\u3068\u540c\u3058\u3067\u3001\u30ed\u30fc\u30f3\u3082\u8cea\u306e\u898b\u6975\u3081\u304c\u5fc5\u8981\u3067\u3059\u3002\u305d\u3057\u3066\u30b9\u30e0\u30fc\u30ba\u306a\u5bb6\u306e\u8cfc\u5165\u30fb\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u306e\u305f\u3081\u306b\u306f\u3001\u3053\u306e\u8cea\u3068\u3044\u3046\u30bd\u30d5\u30c8\u9762\u3067\u306e\u541f\u5473\u304c\u5927\u304d\u304f\u3082\u306e\u3092\u3044\u3046\u5834\u5408\u304c\u591a\u3044\u3082\u306e\u3067\u3059\u3002\u3044\u3063\u305f\u3044\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u306b\u6c42\u3081\u308b\u8cea\u3068\u306f\u4f55\u3067\u3057\u3087\u3046\uff1f\u305d\u308c\u3092\u77e5\u308b\u305f\u3081\u306b\u3001\u5bb6\u306e\u8cfc\u5165\u306e\u305f\u3081\u306b\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u306b\u3042\u305f\u3063\u3066\u3001\u4f55\u304c\u554f\u984c\u3068\u306a\u308a\u3048\u308b\u304b\u306b\u3064\u3044\u3066\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\u518d\u4e09\u518d\u56db\u306b\u308f\u305f\u308b\u78ba\u8a8d\u3067\u306f\u3001\u300c\u554f\u984c\u306a\u304f\u3059\u3079\u3066\u306e\u30ed\u30fc\u30f3\u767a\u884c\u696d\u52d9\u304c\u9032\u3080\u306f\u305a\u3060\u300d\u3068\u3044\u3046\u56de\u7b54\u3067\u3042\u3063\u305f\u306e\u306b\u3001\u6700\u5f8c\u306e\u6700\u5f8c\u3067\u30ed\u30fc\u30f3\u8cc7\u91d1\u304c\u7d04\u675f\u3069\u304a\u308a\u5c4a\u304b\u305a\u3001\u5951\u7d04\u3069\u304a\u308a\u306e\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u3092\u5c65\u884c\u3067\u304d\u306a\u304b\u3063\u305f\u3002<\/li>\n<li>Good Faith Estimate (GFE)\u3067\u8868\u793a\u3055\u308c\u305f\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u624b\u6570\u6599\u3088\u308a\u305a\u3063\u3068\u9ad8\u3044\u624b\u6570\u6599\u3092\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u3063\u305f\u3002\u305d\u308c\u304c\u5206\u304b\u3063\u305f\u6642\u70b9\u3067\u306f\u3001\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u304c\u5dee\u3057\u8feb\u308a\u3001\u4ed6\u306e\u30ed\u30fc\u30f3\u4f1a\u793e\u306b\u5909\u66f4\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u304b\u3063\u305f\uff08\u6700\u8fd1\u306f\u3001GFE\u306b\u6539\u826f\u3067\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u304c\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u5f15\u304d\u7d9a\u304d\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\uff09\u3002<\/li>\n<li>\u30ed\u30fc\u30f3\u62c5\u5f53\u8005\u304c\u3001\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u6642\u306b\u5fc5\u8981\u306a\u8cc7\u91d1\uff08\u7a0e\u91d1\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u306a\u3069\u3092\u542b\u3080\uff09\u3092\u6b63\u78ba\u306b\u8a08\u7b97\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u305a\u3001\u81ea\u5206\u305f\u3061\u3067\u8a08\u7b97\u3092\u3059\u308b\u5fc5\u8981\u304c\u3042\u3063\u305f\u3002<\/li>\n<li>\u30ed\u30fc\u30f3\u62c5\u5f53\u8005\u304c\u80fd\u529b\u4e0d\u8db3\u3067\u30d1\u30cb\u30c3\u30af\u306b\u9665\u308a\u3001\u4e0d\u52d5\u7523\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3084\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\uff08\u5bb6\u306e\u30d0\u30a4\u30e4\u30fc\uff09\u304b\u3089\u96fb\u8a71\u3084\u30e1\u30fc\u30eb\u3092\u3057\u3066\u3082\u3001\u8fd4\u4e8b\u304c\u4e00\u5207\u8fd4\u3063\u3066\u3053\u306a\u304f\u306a\u3063\u305f\u3002<\/li>\n<li>\u30ed\u30c3\u30af\u3055\u308c\u3066\u3044\u305f\u306f\u305a\u306e\u91d1\u5229\u304c\u5b9f\u969b\u306b\u306f\u30ed\u30c3\u30af\u3055\u308c\u3066\u304a\u3089\u305a\u3001\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u306b\u5165\u308b\u307e\u3067\u91d1\u5229\u304c\u4e0a\u6607\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\uff08\u5bb6\u306e\u30d0\u30a4\u30e4\u30fc\uff09\u306b\u544a\u3052\u306a\u304b\u3063\u305f\u3002<\/li>\n<li>\u5927\u304d\u306a\u30ed\u30fc\u30f3\u4f1a\u793e\u3067\u4f55\u5c64\u3082\u306e\u30d2\u30a8\u30e9\u30eb\u30ad\u30fc\u304c\u3042\u308a\u3001\u3072\u3068\u3064\u306e\u554f\u984c\u3092\u51e6\u7406\u3059\u308b\u306e\u306b\u3082\u6642\u9593\u304c\u304b\u304b\u308a\u3059\u304e\u305f\u3002<\/li>\n<li>\u5927\u304d\u306a\u30ed\u30fc\u30f3\u4f1a\u793e\u3067\u3001\u5f53\u521d\u5bfe\u5fdc\u3057\u3066\u304f\u308c\u305f\u7d4c\u9a13\u306e\u3042\u308b\u62c5\u5f53\u8005\u306f\u306f\u3058\u3081\u3060\u3051\u3067\u3001\u305d\u306e\u5f8c\u306e\u51e6\u7406\u306f\u7d4c\u9a13\u306e\u6d45\u3044\u30a2\u30b7\u30b9\u30bf\u30f3\u30c8\u306b\u5272\u308a\u632f\u3089\u308c\u3001\u3084\u308a\u3068\u308a\u306b\u591a\u5927\u306a\u52b4\u529b\u3092\u8981\u3057\u305f\u3002<\/li>\n<\/ul>\n<p>\u3069\u3046\u3067\u3057\u3087\u3046\u3002\u6570\u5b57\u306e\u9762\u3060\u3051\u3067\u306a\u3044\u3001\u30bd\u30d5\u30c8\u9762\u306e\u541f\u5473\u3082\u975e\u5e38\u306b\u5927\u5207\u3067\u3042\u308b\u3053\u3068\u304c\u660e\u3089\u304b\u3067\u3059\u306d\u3002\u696d\u754c\u3092\u3088\u304f\u77e5\u3063\u305f\u4eba\u306f\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3068\u3044\u3046\u5546\u54c1\u3092\u9078\u3076\u307e\u3048\u306b\u3001\u307e\u305a\u306f\u30ed\u30fc\u30f3\u4f1a\u793e\/\u30ed\u30fc\u30f3\u62c5\u5f53\u8005\u3092\u9078\u3076\u3053\u3068\u304c\u5927\u5207\u3060\u3068\u8a00\u3063\u3066\u3044\u307e\u3059\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30a4\u30c8\u306a\u3069\u3067\u91d1\u5229\u306e\u4f4e\u3044\u3068\u3053\u308d\u306b\u98db\u3073\u3064\u304f\u306e\u3067\u306f\u306a\u304f\u3001\u305d\u306e\u4f1a\u793e\u306e\u8a55\u4fa1\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002Better Business Bureau(bbb.org)\u306e\u8a55\u4fa1\u3092\u306f\u3058\u3081\u3001\uff5a\uff49\uff4c\uff4c\uff4f\uff57.com\u306a\u3069\u306e\u4e0d\u52d5\u7523\u30b5\u30a4\u30c8\u306a\u3069\u306e\u30ec\u30d3\u30e5\u30fc\u3092\u53c2\u8003\u306b\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u4f1a\u793e\u540d\u3068\u201creview\u201d\u3068\u3044\u3046\u30ad\u30fc\u30ef\u30fc\u30c9\u3067\u691c\u7d22\u3059\u308c\u3070\u3001\u3059\u3050\u306b\u8a55\u4fa1\u30c7\u30fc\u30bf\u304c\u51fa\u3066\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u624b\u5e83\u304f\u30e2\u30fc\u30b2\u30fc\u30b8\u5546\u54c1\u3092PR\u3057\u3066\u304a\u308a\u3001\u304b\u306a\u308a\u9b45\u529b\u7684\u306a\u91d1\u5229\u3092\u63d0\u793a\u3057\u3066\u3044\u308bAmerisave\u3068\u3044\u3046\u4f1a\u793e\u306ebbb.org\u306e\u8a55\u4fa1\u306f\u4e0b\u306e\u3088\u3046\u3067\u3059\u3002Advertising\/Sales Issues\u3084Problems with Product\/Service\u3068\u3044\u3046\u30af\u30ec\u30fc\u30e0\u6570\u304c\u76f8\u5f53\u6570\u3042\u308a\u307e\u3059\u306d\u3002\u3053\u306e\u4f1a\u793e\u306b\u30ed\u30fc\u30f3\u767a\u884c\u3092\u59d4\u306d\u305f\u3044\u304b\u306f\u3088\u304f\u691c\u8a0e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-2774\" alt=\"amerisave mortgage bbb review\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/amerisave-mortgage-bbb-review.png?resize=542%2C203&#038;ssl=1\" width=\"542\" height=\"203\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/amerisave-mortgage-bbb-review.png?w=847&amp;ssl=1 847w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2013\/09\/amerisave-mortgage-bbb-review.png?resize=300%2C112&amp;ssl=1 300w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/p>\n<p 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