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Securing financing is just one aspect of getting into a new home. TRY Realty is experienced at helping both new and experienced buyers alike in all areas of real estate. Call us today at 6622857108 if your needs include a real estate pro ready for the business side of real estate.

Let TRY Realty help you finance your new home in Ackerman.

When purchasing a home, applying for a loan is very distressing for most people, but it doesn't have to be. Being familiar with various lenders in Ackerman has helped me recognize some things that will make the loan application process much easier.

1 – Assemble a list of questions about your loan program

If you do not completely realize the advantages and disadvantages of all the various financing options, be sure to have a list of questions. At times, it can be a challenge to know the characteristics of both fixed and adjustable rate mortgages. I or one of my lenders can assist you in understanding the advantages and disadvantages of each program.

2 – Decide when you want to lock

When you lock in the interest rate, it signifies that a mortgage lender holds 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 loan application day and at the time of closing. Those who decide to float think that interest rates will plunge 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

Usually you can decide to pay additional points to lower the interest rate of your loan. Each point is 1 percent of the loan and is payable in cash at closing. Click here to use our points calculator. It will assist you with determining if purchasing points is right for you.

4 – Bring your paperwork

Acquiring a mortgage loan requires a lot of paperwork, so you should take some time to get your documentation together. Click here to preview normal questions you'll have to answer on a loan app.