Securing financing is just one aspect of a home purchase. Wave Crest Financial Group, INC is experienced at assisting new and experienced in all areas of real estate. Call me today at (949) 487-3377 if your needs include a real estate pro experienced at the business side of buying and selling.

Thinking of financing a home in Dana Point? Wave Crest Financial Group, INC can help.

Applying for a mortgage loan can be one of the most stressful aspects of buying a home. But it doesn't have to be. Being close to a lot of lenders in the Dana Point area has helped me realize a lot of the things that can make the process of applying for a loan uncomplicated.

1 – Compose a list of questions about your loan program

Make sure you bring a list of questions if you find that you do not totally comprehend the ins and outs of the various loan programs. One of my lenders or I can assist you in understanding the advantages and disadvantages of each program, because it is hard to know the differences between both fixed and adjustable rate mortgages.

2 – Decide when to lock

When you lock in the interest rate, a lender is sure to commit to the mortgage interest rates for the loan – ordinarily at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between the day you apply for the loan and at the time of closing. Those who opt to float presume the interest rates will fall in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Bring your paperwork

Acquiring a loan requires a lot of paperwork, so you should take some time to get your documentation together. Click here to see normal questions you'll have to answer on a loan app.

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