Do you wish to finance a home? Unicasa International USA Realty can help.

Applying for a loan can be one of the most stressful parts of buying a house, but it doesn't have to be. Being connected to some lending companies in Davie has helped me recognize a few things that will make the loan application process very manageable.

1 – Put together a list of questions about your loan program

Be sure you bring a list of questions with you if you find that you do not thoroughly understand the ins and outs of all the different programs. It can be a challenge to understand the characteristics of fixed and adjustable rate mortgages. I or one of my lenders will assist you with understanding the advantages and disadvantages of both programs.

2 – Decide when to lock

When you lock in the rate, a lender is guaranteed to keep to the interest rates for the loan – normally at the time the loan application is received. By floating the rate, you can lock the rate at any time between the day you apply for your loan and closing. Buyers who choose to float presume the interest rates will decline in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Decide if you want to pay additional points to reduce your rate

Generally you can opt to pay additional points to lower the rate of your loan. Every point is 1 percent of the loan and is payable in cash at the time of closing. If you're not sure if buying points is the best option for you, click here to use our points calculator.

4 – Gather your paperwork

Getting a mortgage loan requires lots of paperwork, so you should spend some time getting your documentation together. Click here for a list of common loan documentation.

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