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Getting your mortgage is just one part of getting into a new home. Kivett Realty is seasoned at aiding new and experienced in all areas of real estate. Contact us if your needs include a real estate pro ready for the business side of buying and selling.

Looking to finance a new home in Torrance? Kivett Realty can help.

Stressed out about getting financing for a home purchase? You don't have to be. I've got great connections to a lot of lending companies in Torrance, and they've helped me realize a few things that make the loan application process effortless.

1 – Create a list of questions regarding your loan program

Be sure you have a list of questions if you do not completely understand the pros and cons of the various loan programs. I or one of my lenders will assist you in understanding the advantages and disadvantages of each program, because it's a challenge to know the differences between fixed and adjustable rate mortgages.

2 – Determine when to lock

By locking in the rate, the lender is committing to the mortgage interest rates for the loan – often at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between application and closing. Those who opt to float think 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 reduce your rate

Typically you can choose to pay additional points to lower the rate of your loan. Each point is 1 percent of the mortgage loan and is payable in cash at closing. To determine if you should buy points, click here to use our points calculator.

4 – Bring your paperwork

Acquiring a loan requires lots of paperwork, so you should take some time to get your documentation together. Click here to preview normal information that goes on a loan application.