Let Rob Robbins help you apply for a home loan in Branson.

A lot of buyers think that applying for the mortgage loan is one of the most stressful parts of purchasing a home, but it doesn't have to be. Having connections with various lenders in the Branson area has helped me understand a few things that will make the loan application process uncomplicated.

1 – Make a list of questions about your loan program

Make sure to have a list of questions if you don't perfectly comprehend the pros and cons of the various programs. I or one of my lender contacts will be able to assist you with understanding the advantages and disadvantages of each program, because it can be a challenge to know the distinctions between fixed and adjustable rate mortgages.

2 – Decide when to lock

When you lock in a rate, it means that the mortgage lender holds to the mortgage interest rates for the loan – commonly at the time the loan application is received. By floating the rate, you can lock the rate anytime between the day of your loan application and closing. Buyers who decide to float presume 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 decrease your interest rate

If you elect to pay additional points to lower the interest rate of your loan, you will pay for them in cash at the time of closing. Each point is 1 percent of the loan. Click here to use our points calculator. This tool will help you decide if buying points is the best option for you.

4 – Bring your paperwork

Acquiring a mortgage loan requires a lot of paperwork, so you should spend some time getting your documentation together. Click here for a list of normal loan documentation.

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