Getting your mortgage is just one aspect of getting into a new home. Lori Guthrie, Morris Williams Realty is experienced at aiding both new and experienced buyers alike in all areas of real estate. Call me today at if your needs include a professional REALTOR® experienced at the business side of real estate.

Lori Guthrie, Morris Williams Realty can assist you in applying for your home loan in Southwest Florida.

Stressed out about applying for a mortgage? You don't have to be. Being familiar with some lenders in Southwest Florida has helped me recognize a few things that will make the process of applying for a loan pretty simple.  Recommendations of Proven Lenders, so You can be Confident!

1 – Make a list of questions about your loan program

Make sure you have a list of questions if you find that you do not completely grasp the ins and outs of the various loan programs. One of my trusted lenders or I can assist you in understanding the advantages and disadvantages of each program, because it's hard to know the differences between both fixed and adjustable rate mortgages.

2 – Determine when to lock

When you lock in the rate, it indicates that your lender keeps to the mortgage interest rates for the loan – commonly 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 closing. Buyers who choose to float conclude that interest rates will drop in the near future. Click here to see the outlook for the next 90 days of interest rates.


3 – Determine if you want to pay additional points to lower your interest rate

When you elect to pay additional points to lower the rate of your loan, you will pay for them in cash at closing. Every point is 1 percent of the loan. To determine if buying points is the best option for you, click here to use my points calculator.

4 – Bring your paperwork

Getting a loan requires a lot of paperwork, so you should spend some time getting your documentation together. Click here to get a feel for general questions you'll have to answer on a loan app.

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