Do you wish to finance your new home?

When purchasing a home, the loan application is distressing for most people, but it doesn't have to be. I have close business relationships with a lot of lending companies in Davie, and they've helped me understand a few things that will make the loan application process very manageable.


1 – Compile a list of questions regarding your loan program

Be sure you have a list of questions if you don't thoroughly comprehend the pros and cons of the various loan programs. At times, it can be hard to know the differences between fixed and adjustable rate mortgages. One of my lenders or I will help you understand the advantages and disadvantages of each.

2 – Decide when you want to lock

When you lock in the rate, a lender is sure to commit to the mortgage interest rates for the loan – commonly at the time the loan application is received. By floating the rate, you can lock the rate anytime between the day you apply for your loan and at the time of closing. Buyers who decide to float think the interest rates will drop in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Bring your paperwork

Obtaining a loan requires a lot of paperwork, so you should take some time to get all your documentation together. Click here to preview common information that goes on a loan application.


Have More Questions?

Getting your loan locked down is just one part of a home purchase. Unicasa International USA Realty is experienced at helping both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a real estate pro ready for the business side of buying and selling.

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