Securing financing is just one aspect of a real estate transaction. Hanson Real Estate, Inc is seasoned at helping both new and experienced buyers alike in all areas of real estate. Call me today at 760-745-3366 if your needs include a professional REALTOR® ready for the business side of real estate.

Thinking about financing a new home in Escondido?

Stressed out about getting financing for a home purchase? You don't have to be. Having connections with some lending companies in the Escondido area has helped me learn a lot of the things that can make the loan application process easy.

1 – Create a list of questions about your loan program

If you do not thoroughly realize the ins and outs of all the various financing options, be sure you have a list of questions with you. One of my trusted lenders or I will assist you in understanding the advantages and disadvantages of each one, because it's hard to know the distinctions between fixed and adjustable rate mortgages.

2 – Determine when you want to lock

By locking in a rate, your mortgage lender is keeping 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 you apply for the loan and issuance of closing documents. Buyers who opt to float believe the interest rates will fall in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Compile your paperwork

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

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