Provident Realty Group can assist you in financing your home in Dublin.

Most people think applying for mortgage financing is one of the more distressing parts of buying a home, but it doesn't have to be. Being connected to several lenders in Dublin has helped me realize a few things that will make the process of applying for a loan very easy.

1 – Put together a list of questions about your loan program

If you don't thoroughly understand the advantages and disadvantages of the various loan programs, make sure to have a list of questions. I or one of my lender contacts can help you understand the advantages and disadvantages of each one, because it is hard to understand the distinctions between fixed and adjustable rate mortgages.

2 – Decide when to lock

When you lock in an interest rate, it means that the lender commits to the mortgage interest rates for the loan – usually at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between application and closing. Those who elect to float conclude that the interest rates will plunge 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 interest rate

If you decide to pay additional points to lower the interest rate of your mortgage loan, you will pay for them in cash at closing. Each point is 1 percent of the mortgage loan. To decide if buying points is the best option for you, click here to use our points calculator.

4 – Gather your paperwork

Acquiring a loan requires lots of paperwork, so you should take some time to get all your documentation together. Click here for a list of typical loan documentation.

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Provident Realty Group

6850 Regional Street Suite 210
Dublin, CA 94568