
	Getting your mortgage is just one aspect of a home purchase. Karen Norris-Colonial Realty is seasoned at helping new and experienced in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of real estate.

Are you financing your new home?

Stressed out about applying for a mortgage? You don't have to be. Having connections to a lot of lenders in Bartlesville has helped me learn a lot of the things that can make the process of applying for a loan effortless.

1 – Compose a list of questions about your loan program

If you find that you do not fully comprehend the advantages and disadvantages of all the different financing options, be sure you bring a list of questions. It is a challenge understanding the distinctions between fixed and adjustable rate mortgages. I or one of my trusted lenders can assist you with understanding the advantages and disadvantages of both.

2 – Decide when you want to lock

When you lock in the interest rate, your mortgage lender is guaranteed to commit to the mortgage interest rates for the loan – typically 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 decide to float presume that the 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 decrease your interest rate

Typically you can opt to pay additional points to lower the interest rate of your loan. Each point is 1 percent of the loan and is payable in cash at the time of closing. To determine if you should buy points, click here to use our points calculator.

4 – Gather your paperwork

Obtaining a loan requires a lot of paperwork, so you should spend some time getting all your documentation together. Click here to see typical information that goes on a loan application.

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

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Karen Norris-Colonial Realty 3650 Camelot Dr Bartlesville, OK 74006-7623

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