
	Securing financing is just one aspect of a real estate transaction. AgentOwned Realty Company is seasoned at helping both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a professional REALTOR^® experienced at the business side of buying and selling.

Applying for a new home loan with the help of AgentOwned Realty Company

For most people, securing a mortgage loan can be one of the most demanding aspects of purchasing a home. But it doesn't have to be. I have close working relationships with some reputable lenders in Mt. Pleasant, and they've helped me understand a few things that make the process of applying for a loan a breeze.

1 – Compose a list of questions about your loan program

If you don't perfectly realize the pros and cons of all the various programs, make sure to bring a list of questions. It is a challenge understanding the characteristics of both fixed and adjustable rate mortgages. I or one of my trusted lenders can assist you with understanding the advantages and disadvantages of each program.

2 – Decide when to lock

Locking in an interest rate means that the lender commits to the mortgage interest rates for the loan – normally at the time the loan application is received. By floating the rate, you can lock the rate anytime between the day you apply for the loan and closing. Buyers who decide to float think 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 reduce your rate

When you decide to pay additional points to lower the interest rate of your loan, you will pay for them in cash at the time of closing. Each point is 1 percent of the loan. Click here to use our points calculator. It will assist you in determining if buying points is the best option for you.

4 – Compile your paperwork

Obtaining a mortgage loan requires a lot of paperwork, so you should take some time to get all your documents together. Click here to get a feel for typical information that goes on a loan application.

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

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