Getting your mortgage is just one part of getting into a new home. Unicasa International USA Realty is experienced at aiding both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a real estate pro experienced at the business side of real estate.

Are you thinking about financing your home? Unicasa International USA Realty can help.

Feeling lots of anxiety over applying for a mortgage? You don't have to be. Being close with a lot of mortgage lenders in the Davie area has helped me recognize a few things that can make the loan application process very easy.

1 – Organize a list of questions about your loan program

If you find that you don't perfectly realize the pros and cons of the different loan programs, make sure you have a list of questions. One of my lender contacts or I will be able to help you understand the advantages and disadvantages of each one, because it's hard to understand the distinctions between both fixed and adjustable rate mortgages.

2 – Decide when you want to lock

Locking in signifies that a lender holds to the interest rates for the loan – most often at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between the day you apply for the loan and issuance of closing documents. Those who decide to float presume the interest rates will drop in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Determine if you want to pay additional points to decrease your interest rate

If you elect to pay additional points to lower the rate of your loan, you'll do so by paying for them in cash at closing. Every point is 1 percent of the loan. If you're not sure if purchasing points is right for you, click here to use my points calculator.

4 – Bring your paperwork

Getting a loan requires lots of paperwork, so you should spend some time getting all your documentation together. Click here to see normal information that goes on a loan application.

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