Getting your mortgage is just one part of a real estate transaction. www.MetroAtlantaHomes.net - Keller Williams Realty is seasoned at aiding 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 a new home? www.MetroAtlantaHomes.net - Keller Williams Realty can help.

Applying for a loan can be one of the most stressful elements of buying a home. But it doesn't have to be. I've got great connections to various lending companies in the Atlanta area, and they've helped me realize some things that make the process of applying for a loan a snap.

1 – Compile a list of questions regarding your loan program

If you do not completely understand the advantages and disadvantages of the various loan programs, be sure to have a list of questions with you. I or one of my trusted lenders will be able to assist you in understanding the advantages and disadvantages of each one, because it can be a challenge to understand the differences between fixed and adjustable rate mortgages.

2 – Decide when to lock

Locking in a rate indicates that a lender holds to the mortgage interest rates for the loan – normally at the time the loan application is submitted. By floating the rate, you can lock the rate at any time between the day you apply for your loan and the issuing of closing documents. Those who opt to float believe the 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 decrease your rate

If you choose to pay additional points to lower the rate of your loan, you will pay for them in cash at the time of closing. Every point is 1 percent of the mortgage loan. To determine if purchasing points is the best option for you, click here to use our points calculator.

4 – Compile your paperwork

Obtaining a loan requires lots of paperwork, so you should take some time to get all your documents together. Click here to see typical questions you'll have to answer on a loan app.

Looking to Buy?

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