Loan Application Checklist For many buyers, applying for the mortgage loan is one of the more stressful aspects of buying a home. The loan application need not be a stressful time. By following a few easy steps, you'll sail through the loan application process. Here are some excellent local lenders that are ready to assist you in any way they can....Call them today, and tell them Mike Gott sent you...I know each personally and know you'l be satisfied with thier services and knowledge.     Ginny Richards Senior Loan Officer Home 123 1252 Airport Park Blvd, STE D-3 Ukiah, CA  95482 707-468-5800 DIRECT 800-845-6866 Toll Free   Make a list of any questions you have about the loan program. Be sure you understand the advantages and disadvantages of the various mortgage programs for which you may qualify, including the advantages and disadvantages of Fixed Rate Mortgages versus Adjustable Rate Mortgages. Decide if you want to lock-in or float the loan's interest rate. Locking-in the rate means that the lender commits to the mortgage interest rate for the loan - typically at the time the loan application is submitted. By floating the rate, you can lock-in the interest rate anytime between the loan application day and closing. Buyers opt to "float the loan" when they believe interest rates will drop after their loan application date and prior to closing. The risk is that rather than dropping, interest rates may rise, increasing the mortgage payment. Decide if you want to pay additional points to lower your interest rate. Typically you can elect to pay additional points (each point is 1 percent of the mortgage loan payable in cash at closing) to lower the interest rate of your mortgage loan. Gather your paperwork. Click here to view a list of typical loan documentation.

Real Estate Services for Mendocino County, Northern Sonoma County, and Southern Humboldt County, including EVERY MLS Service Listings for the Bay Entire Area and Direct Links to Homes For Sale and Land for Sale in Ukiah, Redwood Valley, Willits, Anderson Valley, and beyond....

My specialty is to bring buyers and sellers together. If you are looking for information on Mendocino COUNTY real estate, Ukiah real estate, Hopland real estate, Redwood Valley real estate, Potter Vallery Real Estate, Willits real estate, Yorkville real estate, Boonville real estate, Northern Sonoma County real estate, Healdsburg real estate, Windsor real estate, Cloverdale real estate, homes for sale and land for sale in the general area YOU HAVE COME TO THE RIGHT PLACE AND CONTACTED THE RIGHT REALTOR!!

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