Sourcing a reliable mortgage company may seem intimidating at first. After all, you’re now ready to upgrade to a larger home, or perhaps you’re about to purchase your first home. It only makes sense that you want to work with a company that can deliver and guide you at the same time.

Is the Company Helping Your Dreams?

A trustworthy, honest business, like our Lending Hand Mortgage company with offices throughout Florida, will always strive to help homeowners achieve their goals. Do you feel the mortgage specialist is not hearing what your needs are — short- or long-term? If you feel products are being pushed on you as well, that company may not have your best interest in mind.

Is the Company Knowledgeable?

A reputable mortgage company in Florida, should have well-rounded, highly trained specialists that can tap into a vast network of banks and mortgage lenders to secure the best loan for you. A company that thinks of your needs, will work with mortgage companies at a wholesale level. Ask about their margins as well, because lower margins translate to savings going to you.

Don’t Forget: Do Your Homework

Be sure you research the type of loan you might apply for, based on your real needs. It helps to build a mortgage plan, similar to a business plan so it’s organized and clear in your mind. You may want to stay in a home only a few years, that means a balloon or adjustable rate loan could be a great fit. Could be you want one home for years to come, which correlates to applying for a fixed-rate loan. Understand the connection between rates and points. Points are actually prepaid interest and could be tax deductible. A point is equal to 1 percent of the loan, so the more points you accumulate, the lower your rate.

Get Pre-Approved When Ready

Once you know which mortgage company you plan to work with, set up an appointment and discuss the loan process. You could choose to pre-qualify or obtain pre-approval. Just remember that pre-approval requires documentation.

Lending Hand Mortgage is the mortgage company that you need to own your dream home. Call 888-340-8337 today to make that dream a reality.

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