Securing financing is just one aspect of getting into a new home. Morris Williams Realty is experienced at helping new and experienced in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of buying and selling.

Are you financing your home in California, Texas, or Florida? Morris Williams Realty can help.

For many people, securing mortgage financing is one of the more stressful parts of purchasing a house. But it doesn't have to be. We have excellent relationships with many lending companies in the California, Texas, or Florida, and they've helped us understand a few things that make the loan application process a breeze.

1 – Make a list of questions regarding your loan program

If you don't thoroughly realize the ins and outs of the various loan programs, make sure to bring a list of questions. One of our lenders or staff will assist you in understanding the advantages and disadvantages of each one, because it can be a challenge to understand the distinctions between both fixed and adjustable rate mortgages.

2 – Decide when you want to lock

When you lock in a rate, the mortgage lender is sure to keep to the interest rates for the loan – normally at the time the loan application is submitted. By floating the rate, you can lock the rate anytime between the loan application day and closing. Those who prefer to float believe the interest rates will decline 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 decrease your interest 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 closing. Every point is 1 percent of the loan. Click here to use our points calculator. This tool will assist you with determining if buying points is the best option for you.

4 – Gather your paperwork

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

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