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Research
Rates
Begin by checking out current interest rates and
rate movements when shopping for a mortgage. Mortgage
rates generally rise and fall along with Wall
Street securities and generally reflect the overall
direction of interest rates. By keeping an eye
on mortgage market trends and key economic indicators,
a borrower has a better chance of obtaining interest
rate savings.
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Information >>>
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What
is APR?
A tool used to compare loans across different
lenders is the Annual Percentage Rate (APR). The
Federal Truth in Lending law requires mortgage
companies to disclose the APR when they advertise
a rate. It is designed to represent the true cost
of the loan to the borrower, expressed in the
form of a yearly rate. The purpose is to prevent
lenders from hiding fees and upfront costs behind
low advertised interest rates.
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Information >>>
Meeting
with a Lender
You may prefer to meet with the mortgage company
before house hunting to determine in advance how
much you can afford and the mortgage amount for
which you can qualify. This step is called pre-qualification
and can save you time and trouble by making certain
you are looking in the correct price range.
More
Information >>>
Lock
in Your Rate
A lock in, also called a rate lock or rate commitment,
is a lender's promise to hold a certain interest
rate and a certain number of points for you, usually
for a specified period of time, while your loan
application is processed. Depending upon the lender,
you may be able to lock in the interest rate and
number of points that you will be charged when
you file your application, during processing of
the loan, when the loan is approved, or later.
More
Information >>>
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