
	Securing financing is just one part of a home purchase. OneStop Mortgage is seasoned at helping both new and experienced buyers alike in all areas of real estate. Call us today at (401) 946-1202 if your needs include mortgage pros ready for the financing side of real estate.

Let OneStop Real Estate help you with financing a home.

Applying for mortgage financing can be one of the more stressful aspects of purchasing a home. But it doesn't have to be. We have excellent relationships with several lending companies throughout the nation, and they've helped us realize a few things that make the loan application process a snap.

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

Be sure to have a list of questions with you if you do not entirely understand the advantages and disadvantages of the different loan programs. We will help you understand the advantages and disadvantages of each program, because it is a challenge to understand the differences between both fixed and adjustable rate mortgages.

2 – Decide when you want to lock

When you lock in the rate, your lender is guaranteed to hold to the mortgage interest rates for the loan – most often at the time the loan application is presented. By floating the rate, you can lock the rate anytime between the day of your loan application and the issuing of closing documents. Buyers who opt to float conclude interest rates will dip 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 lower your rate

Typically you can elect to pay additional points to lower the interest rate of your loan. Each point is 1 percent of the loan and is payable in cash at closing. Click here to use our points calculator. It will help you decide if buying points is right for you.

4 – Bring your paperwork

Obtaining a mortgage loan requires lots of paperwork, so you should spend some time getting your documentation together. Click here to see typical 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.

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OneStop Advantage 100 Midway Rd Suite 13 Cranston, RI 02920

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