Thinking about financing your home in Dublin?

Many buyers believe that applying for financing is one of the more troublesome aspects of purchasing a house, but it doesn't have to be. I have a close business relationship with many lenders in Dublin, and they've helped me learn some things that can make the process of applying for a loan much easier.

1 – Create a list of questions about your loan program

Be sure to have a list of questions if you find that you don't completely understand the ins and outs of the different programs. At times, it can be hard to understand the distinctions between both fixed and adjustable rate mortgages. I or one of my trusted lenders can assist you in understanding the advantages and disadvantages of each one.

2 – Determine when you want to lock

By locking in an interest rate, the lender is committing to the mortgage interest rates for the loan – normally at the time the loan application is received. By floating the rate, you can lock the rate at any time between the loan application day and issuance of closing documents. Buyers who opt to float conclude the interest rates will dip 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

If you decide to pay additional points to lower the rate of your loan, you'll pay for them in cash at the time of closing. Every point is 1 percent of the loan. If you're unsure if buying points is right for you, click here to use our points calculator.

4 – Compile your paperwork

Getting a loan requires lots of paperwork, so you should take some time to get all your documents together. Click here to get a list of general loan documentation.

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Provident Realty Group

6850 Regional Street Suite 210
Dublin, CA 94568