Securing financing is just one part of a home purchase. Noble Real Estate is experienced at aiding both new and experienced buyers alike in all areas of real estate. Call us today at (909) 292-8259 if your needs include a real estate professional experienced at the business side of real estate.

Thinking of financing a home Noble Real Estate can help.

Applying for the mortgage loan can be one of the most troublesome parts of buying a home. But it doesn't have to be. I have close working relationships with quite a number of lending companies in the Southern California area, and they've helped me prepare a checklist of things you should prepare in order to make the loan application process much easier.

1 – Create a list of questions about your loan program

Make sure to bring a list of questions if you do not entirely understand the ins and outs of the different loan programs. I or one of my lender contacts will be able to help you understand the advantages and disadvantages of each one, because it can be a challenge to know the distinctions between both fixed and adjustable rate mortgages.

2 – Decide when to lock

Locking in an interest rate denotes that your mortgage lender guarantees the interest rates for the loan – typically at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between the day you apply for the loan and closing. Those who decide to float believe that interest rates will drop 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 lower your interest rate

If you choose to pay additional points to lower the interest rate of your loan, you'll do so by paying for them in cash at the time of closing. Each point is 1 percent of the mortgage loan. Click here to use our points calculator. This tool will help you determine if purchasing points is right for you.

4 – Bring your paperwork

Getting a mortgage loan requires a lot of paperwork, so you should spend some time getting your documents together. Click here to preview typical information that goes on a loan application.
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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.45% 4.48%
15-yr Fixed 3.88% 3.94%
1-yr Adj 3.87% 3.89%
* national averages