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5 Questions to Ask Potential Mortgage Lenders Before You Agree to a Loan

5 Questions to Ask Potential Mortgage Lenders Before Agree to a Loan

Just like everything else in life, it pays to shop around when it comes to mortgage lenders. But how do you know you're choosing one that's really right for your needs? You start by asking questions. In fact, check out this list of five questions to ask potential mortgage lenders before you agree to a loan. 5 Questions to Ask Potential Mortgage Lenders Before Agree to a Loan When you're working on your "short list" of potential lenders, call each of them and speak to a representative. Ask: How do you communicate with your clients? How long will it take to get preapproved, the … Continue reading...

Posted in: Mortgages Tagged: Buying a Home, Lenders, Loans, Mortgage, Mortgages

What Do You Need to Get Preapproved for a Mortgage Loan?

What Do You Need to Get Preapproved for a Mortgage Loan

If you're like most people buying a home on 30A, you'll need a mortgage to finance your purchase. That means you'll want to get preapproval before you start house-hunting so you know how much you can afford - and so that when you find your dream house, you can pounce on it and make an offer quickly. But what do you need to get preapproved for a mortgage? Here's what you need to know. What Do You Need to Get Preapproved for a Mortgage Loan? Before you can get mortgage preapproval, you'll need to pull together all kinds of documents. That way, you have everything ready when you fill out and … Continue reading...

Posted in: Mortgages Tagged: Mortgage, Mortgages, Preapproval, Tips

Types of Mortgage Lenders

Types of Mortgage Lenders

When you're buying a home for sale on 30A, you'll most likely need to work with a mortgage lender - but how do you figure out which one is best for your needs? You start by understanding the various types of lenders. Types of Mortgage Lenders These are the five main types of mortgage lenders: Credit unions Mortgage bankers Correspondent lenders Savings and loans Mutual savings banks Here's a closer look at each. #1. Credit unions Credit unions are member-owned banks that often offer the best rates to their shareholders. (Each member is a shareholder.) They used to be … Continue reading...

Posted in: Mortgages Tagged: Lenders, Mortgage, Mortgages, Tips, Types of Mortgage Lenders

Let’s Talk About Homeowners Insurance

Let's Talk About Homeowners Insurance

If you buy a home along 30A, you're most likely going to need homeowners insurance - your lender will require it. Even if you pay cash, most financial advisers will tell you that homeowners insurance is a good idea. Here's what you need to know. Let's Talk About Homeowners Insurance Homeowners insurance covers you in the event that something happens to your home. Different policies have different coverage limits, just like car insurance, but most typically include some types of natural disasters, robberies and even accidents on your property. How Much Does Homeowners Insurance … Continue reading...

Posted in: Buyers Tagged: Buying a Home, homeowners insurance, Insurance, Mortgages

Mortgage Basics: How to Get a Loan to Buy Your Dream House on 30A

How to Get a Loan to Buy Your Dream House on 30A

If you're a first-time homebuyer, there's probably a lot you don't know about getting a mortgage loan. And unless you have a huge pile of cash hidden in your mattress, you're going to need one. (On an unrelated note, don't tell anyone if you do have a huge pile of cash hidden in your mattress... and think about moving it to a safer location.) Most homebuyers need a mortgage loan, but lenders are picky - and different lenders offer different terms. What one lender is offering might not be that good for you, but another might have the perfect loan product. Here's what you need to know … Continue reading...

Posted in: Mortgages Tagged: Buying a Home, credit, Mortgage Loan, Mortgages, Preapproval, Shopping

How Much Are Closing Costs When You Buy a Home on 30A?

If you're like most people, you'll have to finance the purchase of your new home on 30A - and that means you'll have closing costs to pay on the day you sign the dotted line. But how much are closing costs, and is there anything you can do to lower them? Here's what you need to know. How Much Are Closing Costs When You Buy a Home on 30A? On average, closing costs range between 2 and 7 percent of a home's purchase price. If you're buying a $250,000 home, your closing costs will be somewhere between about $5,000 and $17,500. Who Pays for Closing Costs? Buyers and sellers often … Continue reading...

Posted in: Buyers, Mortgages Tagged: Buying a Home, Closing Costs, Financing, Mortgages

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