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Choosing the Right Financing...

Whether you are a first time home buyer, existing home owner that wants to refinance or want a credit line from the equity in your home, it helps to get understanding and do your homework. In today's market, there is nothing but choices.

It's a graves mistake to pick a loan product based solely on interest rates and points. Different mortgage loans may carry higher fees than others.

The right type or mortgage for you depends on many factors such as:

  • Your current financial situation
  • How much will your finances change over the term of the loan
  • How long do you expect to stay in the home?
  • Is there a pre-payment penalty?
  • How is the loan amortized, meaning how quickly is the principal paid off?

Compare loans by asking a series of questions:

  • What is the loan’s interest rate?
  • Will I be charged points?
  • What are the closing costs and all other fees?
  • What is the annual percentage rate, or APR – the rate you’ll pay per year for all the costs

              associated with the loan?

  • Is there a pre-payment penalty?
  • How comfortable are you with your mortgage payment changing?

The best loan is the one that works for your needs.