Getting your mortgage is just one part of a home purchase. Beiler-Campbell Realtors is seasoned at helping new and experienced in all areas of real estate. Contact us if your needs include a professional REALTOR® ready for the business side of buying and selling. Are you financing a home? When buying a home, applying for the loan is stressful for a lot of people, but it doesn't have to be. I have close business relationships with several lending companies in the Kennett Square area, and they've helped me learn some things that can make the loan application process easy. 1 – Make a list of questions about your loan program Be sure you bring a list of questions with you if you find that you don't thoroughly grasp the ins and outs of the various loan programs. Oftentimes, it can be hard to know the differences between fixed and adjustable rate mortgages. I or one of my trusted lenders will be able to help you understand the advantages and disadvantages of each one. 2 – Decide when you want to lock Locking in a rate denotes that the lender keeps to the mortgage interest rates for the loan – often at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the loan application day and the issuing of closing documents. Those who prefer to float believe 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 lower your interest rate When you decide to pay additional points to lower the rate of your loan, you will pay for them in cash at closing. Every point is 1 percent of the mortgage loan. If you're undecided as to whether or not 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 your documentation together. Click here to preview general questions you'll have to answer on a loan app. Got a Question? Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.   Your Information *Name: *Email: Phone: Your Question Question: Note: Fields with an * are required

This site is designed to assist potential buyers and sellers ages 21 to 35 in their real estate transactions.  This does not in any way prohibit or exclude other potential buyers or sellers not in this age group.  In fact, I welcome the opportunity to serve everybody.  Feel free to visit my main site at www.JohnKriza.com.