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Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!
You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.
In the pre-qualification process, you will find out:
- Exactly how much home or land you can afford.
- How much cash you will need for the down payment.
- The minimum down payment, and advantages of higher down payments.
- What the bank feels you can afford for a monthly payment.
I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.
Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Tri-Lakes area Realtor to offer services such as these.
Once you fill out the form, I will quickly process your information and get right back to you!
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Interest Rates >Locking in Loan Rates It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.
While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.
The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.
Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.
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What is the role of the U.S. Housing Authority?
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| A |
Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states. |
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Loann Barter
Carol Jones Realtors
P O Box 2061
Branson West
MO 65737
Toll-free: 866-338-0099
Office: 417-338-2022
Cell: 417-294-1600
Fax: 417-338-9999
Loann@NUMBER1EXPERT.com
Loann@LoannBarter.com
I consider myself “Your Realtor®”. You will receive expertise, professionalism, integrity, honesty, loyalty, service, and knowledge of the Tri-Lakes area and its real estate market in any transaction with me. Because I love selling real estate and I love the Tri-Lakes Area, I am committed to the highest standards in my profession. I will rest only when the job has been done to your total satisfaction. 
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