Securing financing is just one part of getting into a new home. Myrtis Mueller Realty is experienced at helping both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a real estate pro ready for the business side of buying and selling.

Let Myrtis Mueller Realty assist you in financing your home.

When purchasing a home, applying for a loan is very troublesome for a lot of people, but it doesn't have to be. We've got great connections to a lot of mortgage lenders in the Lake Charles area, and they've helped us learn a few things that will make the process of applying for a loan uncomplicated.

1 – Organize a list of questions about your loan program

Be sure to have a list of questions with you if you find that you don't completely comprehend the pros and cons of the various loan programs. We will be able to assist you with understanding the advantages and disadvantages of each one, because it is a challenge to know the characteristics of both fixed and adjustable rate mortgages.

2 – Determine when you want to lock

Locking in a rate indicates that the lender commits to the mortgage interest rates for the loan – generally at the time the loan application is presented. By floating the rate, you can lock the rate anytime between the day you apply for your loan and the issuing of closing documents. Those who elect to float believe that the interest rates will fall 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 reduce your rate

Typically you can opt 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. This tool will assist you in deciding if buying points is right for you.

4 – Gather your paperwork

Acquiring a loan requires a lot of paperwork, so you should take some time to get your documents together. Click here to preview general information that goes on a loan application.

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