For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing a home. As your agents and a top experts in the local market, we'll negotiate the best prices and terms for you and answer all of your questions as they arise.
When purchasing a home, the loan application is very exasperating for many people, but it doesn't have to be. I've got great connections to various mortgage lenders in the Cupertino area, and they've helped me realize some things that make the process of applying for a loan a snap.
Be sure to bring a list of questions with you if you find that you don't fully grasp the advantages and disadvantages of the various loan programs. One of my lender contacts or I will be able to help you understand the advantages and disadvantages of each program, because it is a challenge to know the differences between fixed and adjustable rate mortgages.
Locking in denotes that your lender guarantees the mortgage interest rates for the loan – ordinarily at the time the loan application is received. 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 elect to float believe interest rates will fall in the near future.
 Mortgage Loan Services +9 more
