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Securing financing is just one part of a home purchase. Sabina Kier is experienced at assisting new and experienced in all areas of real estate. Call me today at 303-638-8509 if your needs include a real estate pro experienced at the business side of real estate.



Let Sabina Kier assist you in applying for your new home loan in Castle Rock.

For a lot of people, securing the loan is one of the more exasperating elements of buying a house. But it doesn't have to be. Being close with a lot of lending companies in Castle Rock has helped me learn a few things that make the process of applying for a loan a snap.

1 – Put together a list of questions regarding your loan program

Be sure to have a list of questions with you if you don't thoroughly grasp the ins and outs of all the different programs. It is often a challenge to know the differences between both fixed and adjustable rate mortgages. One of my lender contacts or I will assist you with understanding the advantages and disadvantages of both.

2 – Decide when you want to lock

When you lock in a rate, it denotes that a lender guarantees the interest rates for the loan – often at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day you apply for the loan and at the time of closing. Buyers who elect to float conclude that interest rates will dip in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Determine if you want to pay additional points to lower your interest rate

Oftentimes you can elect 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 closing. Click here to use my points calculator. It will assist you in determining if buying points is the best option for you.

4 – Gather your paperwork

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