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How to Apply For a Mortgage Loan
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For a first time home buyer, applying online for a mortgage loan makes the experience easy. You have plenty of time to compare rates and terms to find the best financing for your situation. With just a few steps, you can secure financing for your home with the lowest possible rates.
1. Select Your Terms
Mortgage terms affect both your interest rate and payment. With a large amount of flexibility, lenders allow you to tailor your loan to fit your budget needs. So if your goal is to purchase the most with your income, look into an adjustable rate mortgage with initially low payments.
For security, fixed rates can also have reasonable rates. For even lower rates, you can purchase reductions by paying points at closing. One point equals one percent of the principle. Paying points is affective if you keep your mortgage for at least seven years in order to recoup the cost of buying the rate reduction.
The length of the loan will also affect your rates and payments. 15 year mortgage provides you with a cheaper loan, but payments are about a third higher than a 30 year mortgage.
2. Research Your Lender
Even a difference of an eighth of a point in rates can save you thousands of dollars. The easiest way to save money on your home's purchase is by finding the lowest costing loan.
With online mortgage companies, in just a few minutes you can request loan quotes without hurting your credit report. Every time a potential creditor accesses your report, it temporarily hurts your score.
Rates are one way to evaluate loans. But closing costs can also add up to thousands. That's why the APR number is important. It gives you the total cost of the loan. But if you plan to move or refinance, focus on low closing costs rather than low rates.
3. Apply Online
When you have found the right lender, you can start your home loan application online. Even if you haven't found the right house, you can still get pre-approved and lock in your rates.
With online financing companies, your paperwork is expressed mailed to you. You complete the forms with a notary's seal. Working with your real estate agent, escrow company, and seller, the date of sale can then be finalized.
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