Are you going to finance your home? Tom Rizen can help.

Stressed out about applying for a mortgage? You don't have to be. I've got great connections to many mortgage lenders in the Mesa area, and they've helped me learn a few things that can make the loan application process effortless.


1 – Assemble a list of questions regarding your loan program

Make sure to have a list of questions if you don't fully comprehend the advantages and disadvantages of the various programs. One of my lenders or I can assist you in understanding the advantages and disadvantages of each program, because it's hard to know the differences between both fixed and adjustable rate mortgages.

2 – Determine when to lock

When you lock in a rate, it indicates that your mortgage lender keeps to the interest rates for the loan – typically at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day of your loan application and at the time of closing. Buyers who decide to float think that the interest rates will plunge in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Compile your paperwork

Acquiring a mortgage loan requires a lot of paperwork, so you should spend some time getting all your documentation together. Click here to preview normal questions you'll have to answer on a loan app.


Have More Questions?

Getting your mortgage is just one part of getting into a new home. Tom Rizen is seasoned at aiding both new and experienced buyers alike in all areas of real estate. Call me today at 480-844-0600 if your needs include a professional REALTOR® experienced at the business side of buying and selling.

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