Securing financing is just one part of a real estate transaction. Seiss Real Estate is experienced at aiding both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a professional REALTOR® ready for the business side of buying and selling.

Looking to finance your home? Seiss Real Estate can help.

When buying a home, the mortgage loan application is very troublesome for most people, but it doesn't have to be. We have close business relationships with some reputable lenders in Jupiter, and they've helped us realize some things that will make the loan application process easy.

1 – Compile a list of questions regarding your loan program

If you find that you do not fully understand the pros and cons of the different financing options, be sure you have a list of questions with you. It is often hard to know the differences between both fixed and adjustable rate mortgages. One of our lender contacts or associates will assist you in understanding the advantages and disadvantages of both.

2 – Decide when to lock

By locking in an interest rate, your mortgage lender is committing to the interest rates for the loan – often at the time the loan application is received. By floating the rate, you can lock the rate at any time between the day you apply for your loan and at the time of closing. Those who elect to float believe that interest rates will dip 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 decrease your rate

When you choose to pay additional points to lower the rate of your mortgage loan, you'll do so by paying for them in cash at the time of closing. Each point is 1 percent of the loan. To determine if you should buy points, click here to use our points calculator.

4 – Bring your paperwork

Getting a mortgage loan requires lots of paperwork, so you should take some time to get all your documentation together. Click here to see common questions you'll have to answer on a loan app.

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