
	Getting your mortgage is just one part of getting into a new home. RE/MAX Dallas Suburbs - Ryan Real Estate Group is seasoned at helping both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of real estate.

Are you thinking about financing your new home?

Securing financing is one of the most distressing aspects of buying a house. But it doesn't have to be. I have close professional relationships with various lending companies in the Plano area, and they've helped me realize a few things that make the process of applying for a loan very easy.

1 – Organize a list of questions about your loan program

Be sure to bring a list of questions if you don't thoroughly understand the pros and cons of the different programs. I or one of my lenders can assist you with understanding the advantages and disadvantages of each program, because it can be a challenge to understand the characteristics of both fixed and adjustable rate mortgages.

2 – Decide when you want to lock

Locking in a rate indicates that a mortgage lender commits to the interest rates for the loan – normally at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day of your loan application and issuance of closing documents. Those who decide to float conclude that the interest rates will dip 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 lower your rate

When you choose to pay additional points to lower the interest rate of your mortgage loan, you'll do so by paying for them in cash at the time of closing. Each point is 1 percent of the loan. If you're unsure as to whether or not purchasing points is the best option for you, click here to use our points calculator.

4 – Compile your paperwork

Getting a loan requires a lot of paperwork, so you should take some time to get all your documents together. Click here to preview common 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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