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Getting a loan
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- Choose your lender or mortgage broker. (A broker acts as a go-between for the lender and borrower)
- Ask friends and relatives for referrals, and if you take their advice, be sure the mention that they sent you.
- You will need pay stubs from at least the last month, bank statements from the last three months, and possibly tax returns, and references.
- Keep up with the latest interest rate news, and if rates are low, ask your lender to commit to the rate by locking in.
- Be sure the lock in period includes the day you will close on the house and that you won’t have to pay any extra fees.
- Ask your lender if there are any special programs or loans you qualify for, and if those loans would be beneficial to you.
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NEWPORT BAY REALTY
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NEWPORT BAY REALTY
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