Getting your mortgage is just one part of a real estate transaction. Deanna Antovich is experienced at assisting both new and experienced buyers alike in all areas of real estate. Call me today at (707) 259-5290 if your needs include a real estate pro experienced at the business side of buying and selling.

Deanna Antovich can help you apply for a new home loan.

When buying a home, the loan application is very troublesome for most people, but it doesn't have to be. I have close professional relationships with various mortgage lenders in the Napa area, and they've helped me understand some things that make the process of applying for a loan pretty simple.

1 – Compile a list of questions regarding your loan program

Make sure you have a list of questions if you find that you do not fully grasp the ins and outs of the different loan programs. At times, it can be a challenge to understand the distinctions between fixed and adjustable rate mortgages. One of my trusted lenders or I can assist you in understanding the advantages and disadvantages of each program.

2 – Determine when you want to lock

When you lock in a rate, it denotes that the lender guarantees the interest rates for the loan – normally at the time the loan application is sent in. By floating the rate, you can lock the rate at any time between application and closing. Buyers who elect to float think that interest rates will fall 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 reduce your interest rate

When you elect to pay additional points to lower the interest rate of your mortgage loan, you'll pay for them in cash at the time of closing. Every point is 1 percent of the loan. If you're uncertain as to whether or not buying points is the best option for you, click here to use my points calculator.

4 – Compile your paperwork

Acquiring a loan requires a lot of paperwork, so you should spend some time getting all your documentation together. Click here to get a feel for common information that goes on a loan application.

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