
	Getting your mortgage is just one aspect of a home purchase. Southern Realty, LLC is seasoned at aiding both new and experienced buyers alike in all areas of real estate. Call us today at (352) 735-4709 if your needs include a professional REALTOR^® experienced at the business side of real estate.

Thinking of financing your new home?

When purchasing a home, applying for a loan is exasperating for many people, but it doesn't have to be. I have close professional relationships with various lenders in Mount Dora, and they've helped me realize a few things that make the loan application process a breeze.

1 – Compile a list of questions regarding your loan program

Make sure to have a list of questions if you find that you do not totally grasp the ins and outs of all the various programs. Oftentimes, it can be hard to understand the differences between fixed and adjustable rate mortgages. I or one of my trusted lenders can assist you with understanding the advantages and disadvantages of each.

2 – Determine when to lock

When you lock in an interest rate, it designates that a lender keeps to the mortgage interest rates for the loan – typically at the time the loan application is received. By floating the rate, you can lock the rate anytime between application and at the time of closing. Buyers who prefer to float think that interest rates will decline 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 lower your interest rate

Oftentimes you can elect to pay additional points to lower the rate of your loan. Every point is 1 percent of the loan and is payable in cash at the time of closing. To determine if buying points is right for you, click here to use our points calculator.

4 – Bring your paperwork

Getting a mortgage loan requires lots of paperwork, so you should spend some time getting all your documents together. Click here to see common questions you'll have to answer on a loan app.

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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You can find great local Mount Dora, Florida real estate information on Localism.com Marlene Kemp is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.

Southern Realty of Central Florida P. O. Box 1922 Mount Dora, FL 32756

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