Getting your loan locked down is just one part of a real estate transaction. Sanborn Financial is experienced at aiding both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a professional REALTOR® ready for the business side of buying and selling.

Thinking about financing a home in Encinitas? Sanborn Financial can help.

Feeling lots of anxiety over getting financing for a home purchase? You don't have to be. I've got great connections to several mortgage lenders in Encinitas, and they've helped me recognize a few things that will make the loan application process effortless.

1 – Compose a list of questions regarding your loan program

Be sure you bring a list of questions if you find that you don't perfectly comprehend the advantages and disadvantages of all the various programs. It is often hard to understand the differences between fixed and adjustable rate mortgages. One of my lender contacts or I will be able to assist you with understanding the advantages and disadvantages of each program.

2 – Determine when to lock

Locking in an interest rate means that the lender commits to the interest rates for the loan – normally at the time the loan application is received. By floating the rate, you can lock the rate at any time between the day you apply for your loan and closing. Those who prefer to float think interest rates will dip in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Compile your paperwork

Acquiring a loan requires lots of paperwork, so you should take some time to get your documents together. Click here to get a feel for common information that goes on a loan application.

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

Your Information
Some Details