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Loan Application Checklist

For many buyers, applying for the mortgage loan is one of the more stressful aspects of buying a home. The loan application need not be a stressful time. By following a few easy steps, you'll sail through the loan application process.

  1. Make a list of any questions you have about the loan program.
    Be sure you understand the advantages and disadvantages of the various mortgage programs for which you may qualify, including the advantages and disadvantages of Fixed Rate Mortgages versus Adjustable Rate Mortgages.

  2. Decide if you want to lock-in or float the loan's interest rate.
    Locking-in the rate means that the lender commits to the mortgage interest rate for the loan - typically at the time the loan application is submitted. By floating the rate, you can lock-in the interest rate anytime between the loan application day and closing. Buyers opt to "float the loan" when they believe interest rates will drop after their loan application date and prior to closing. The risk is that rather than dropping, interest rates may rise, increasing the mortgage payment.

  3. Decide if you want to pay additional points to lower your interest rate.
    Typically you can elect to pay additional points (each point is 1 percent of the mortgage loan payable in cash at closing) to lower the interest rate of your mortgage loan.

  4. Gather your paperwork.
    Click here to view a list of typical loan documentation.
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Stonebridge Realty Group assist many clients in the following locations: 
Dallas, Texas | Plano, Texas | Carrollton, Texas | Little Elm, Texas | Celina, Texas | Arlington, Texas | Grand Prarie, Texas | Frisco,Texas | Garland,Texas  | Allen,Texas  | Richardson, Texas | Wylie, Texas | McKinney, Texas | Mesquite, Texas | De Soto, Texas | Ft. Worth, Texas | Coppel, Texas | Addison, Texas | Irving, Texas Las Colinas, Texas | Higland Park,Texas | Southlake,Texas | Dallas, Texas |

McKinney Real Estate - Anna  Real Estate - Plano Real Estate -  Prosper Real Estate - Weston Real Estate -  Allen Real Estate - Frisco Real Estate - Blue Ridge Real Estate - Celina Real Estate - Van Alstyne Real Estate - Melissa Real Estate - Wylie Real Estate - Fairview Real Estate - Princeton Real Estate - Farmersville Real Estate - Lovejoy Real Estate - Collin County Real Estate

 


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