Getting your loan locked down is just one aspect of a real estate transaction. Stoneridge Realty & Property Mangement Services is seasoned at aiding both new and experienced buyers alike in all areas of real estate. Call us today at 760-727-3776 if your needs include a real estate pro experienced at the business side of real estate.


Are you financing a home in Vista? Stoneridge Realty & Property Mangement Services can help.

Securing financing can be one of the more distressing elements of purchasing a home. But it doesn't have to be. I've got great connections to a lot of mortgage lenders in Vista, and they've helped me recognize some things that make the process of applying for a loan much easier.

1 – Put together a list of questions regarding your loan program

Be sure you have a list of questions if you find that you don't thoroughly understand the ins and outs of all the different programs. It is a challenge understanding the differences between fixed and adjustable rate mortgages. I or one of my lenders will assist you in understanding the advantages and disadvantages of each program.

2 – Determine when you want to lock

When you lock in the interest rate, a mortgage lender is guaranteed to commit to the interest rates for the loan – ordinarily at the time the loan application is sent in. By floating the rate, you can lock the rate at any time between the day you apply for your loan and closing. Those who opt to float believe interest rates will decline in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Decide if you want to pay additional points to reduce your rate

If you elect to pay additional points to lower the rate of your loan, you'll pay for them in cash at the time of closing. Every point is 1 percent of the loan. To determine if purchasing points is the best option for you, click here to use our points calculator.

4 – Gather your paperwork

Obtaining a mortgage loan requires lots of paperwork, so you should spend some time getting your documents together. Click here to get a feel for normal information that goes on a loan application.


Stoneridge Realty & Property Mangement Services 735 Shadowridge Drive Vista, CA 92083
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