Getting your mortgage is just one part of a home purchase. Century 21 is seasoned at aiding new and experienced in all areas of real estate. Call us today at 727-367-3795 if your needs include a real estate pro ready for the business side of buying and selling. Do you wish to finance a home in Treasure Island? Stressed out about getting financing for a home purchase? You don't have to be. I have close business relationships with a lot of lending companies in Treasure Island, and they've helped me recognize some things that make the loan application process easy. 1 – Create a list of questions regarding your loan program Be sure to have a list of questions with you if you find that you do not thoroughly understand the advantages and disadvantages of all the various loan programs. At times, it can be a challenge understanding the characteristics of fixed and adjustable rate mortgages. I or one of my lender contacts can assist you with understanding the advantages and disadvantages of each one. 2 – Decide when to lock When you lock in a rate, a mortgage lender is sure to hold to the mortgage interest rates for the loan – typically 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 your loan and closing. Those who choose to float conclude that 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 interest rate If you opt to pay additional points to lower the interest rate of your mortgage loan, you'll do so by paying for them in cash at closing. Each point is 1 percent of the loan. Click here to use our points calculator. It will help you decide if purchasing points is the best option for you. 4 – Compile your paperwork Getting a loan requires lots of paperwork, so you should take some time to get all your documents together. Click here to preview typical questions you'll have to answer on a loan app.

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