Securing financing is just one part of getting into a new home. I am experienced at helping both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a professional REALTOR® ready for the business side of real estate.

Applying for your loan

Feeling lots of anxiety over getting financing for a home purchase? You don't have to be. I have excellent relationships with several lenders in the Palm Beach County area, and they've helped me recognize some things that will make the process of applying for a loan very manageable.

1 – Compose a list of questions about your loan program

Make sure you have a list of questions with you if you don't completely grasp the ins and outs of all the various programs. It can be hard to know the distinctions between both fixed and adjustable rate mortgages. One of my lenders or I can help you understand the advantages and disadvantages of each.

2 – Determine when you want to lock

When you lock in an interest rate, it designates that the lender commits to the mortgage interest rates for the loan – commonly 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 at the time of closing. Those who decide to float believe the interest rates will decline in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Bring your paperwork

Getting a loan requires lots of paperwork, so you should spend some time getting your documents together. Click here to preview general information that goes on a loan application.