Securing financing is just one aspect of a home purchase. Kohler Realty, LLC. is seasoned at aiding both new and experienced buyers alike in all areas of real estate. Call us today at (407) 929-2913 if your needs include a professional REALTOR® experienced at the business side of real estate.


Are you thinking of financing your new home?

Stressed out about applying for a mortgage? You don't have to be. I've got great connections to various mortgage lenders in Orlando, and they've helped me learn a few things that make the loan application process effortless.

1 – Organize a list of questions regarding your loan program

If you find that you do not perfectly understand the ins and outs of all the various loan programs, be sure you have a list of questions with you. I or one of my lender contacts can assist you with understanding the advantages and disadvantages of both programs, because it is a challenge to understand the characteristics of both fixed and adjustable rate mortgages.

2 – Decide when you want to lock

When you lock in a rate, it designates that your mortgage lender holds to the interest rates for the loan – often at the time the loan application is submitted. By floating the rate, you can lock the rate at any time between the day you apply for the loan and issuance of closing documents. Those who opt to float presume that interest rates will fall 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

Usually you can opt to pay additional points to lower the interest rate of your loan. Every point is 1 percent of the loan and is payable in cash at the time of closing. If you're uncertain as to whether or not purchasing points is right for you, click here to use our points calculator.

4 – Gather your paperwork

Acquiring a loan requires a lot of paperwork, so you should spend some time getting your documentation together. Click here to get a feel for common questions you'll have to answer on a loan app.

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