Securing financing is just one aspect of getting into a new home. Mikasa Homes & Funding is experienced at aiding new and experienced in all areas of real estate. Contact me if your needs include a professional REALTOR® experienced at the business side of real estate.

Are you going to finance a new home? Mikasa Homes & Funding can help.

When purchasing a home, the loan application is very exasperating for many people, but it doesn't have to be. I've got great connections to various mortgage lenders in the Cupertino area, and they've helped me realize some things that make the process of applying for a loan a snap.

1 – Organize a list of questions regarding your loan program

Be sure to bring a list of questions with you if you find that you don't fully grasp the advantages and disadvantages of the various loan programs. One of my lender contacts or I will be able to help you understand the advantages and disadvantages of each program, because it is a challenge to know the differences between fixed and adjustable rate mortgages.

2 – Determine when you want to lock

Locking in denotes that your lender guarantees the mortgage interest rates for the loan – ordinarily at the time the loan application is received. By floating the rate, you can lock the rate anytime between the day of your loan application and the issuing of closing documents. Buyers who elect to float believe 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 take some time to get your documents together. Click here to see typical questions you'll have to answer on a loan app.

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