
	Securing financing is just one part of a real estate transaction. Florida Landlords Association is seasoned at assisting 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.

Florida Landlords Association can assist you with applying for a home loan.

For most people, securing mortgage financing can be one of the most distressing parts of purchasing a house. But it doesn't have to be.I have close relationships with various mortgage lenders in the Boca Raton area, and they've helped me understand a few things that make the process of applying for a loan very manageable.

1 – Organize a list of questions about your loan program

Make sure to have a list of questions if you find that you don't completely understand the ins and outs of all the various programs.I or one of my lender contacts will be able to assist you in understanding the advantages and disadvantages of each program, because it is hard to know the differences between fixed and adjustable rate mortgages.

2 – Decide when to lock

Locking in the interest rate signifies that your mortgage lender keeps to the interest rates for the loan – often at the time the loan application is presented.By floating the rate, you can lock the rate anytime between the day of your loan application and closing. Those who choose to float conclude 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

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

4 – Bring your paperwork

Getting a loan requires lots of paperwork, so you should spend some time getting all your documentation together. Click here to see normal information that goes on a loan application.

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