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Getting your mortgage is just one aspect of a real estate transaction. Heritage T & I Realty, Inc. is experienced at aiding new and experienced in all areas of real estate. Contact us if your needs include a professional REALTOR® ready for the business side of real estate.


Looking to finance your new home in Hamilton? Heritage T & I Realty, Inc. can help.

When buying a home, applying for financing is demanding for many people, but it doesn't have to be. I have excellent relationships with many mortgage lenders in Hamilton, and they've helped me recognize some things that can make the loan application process a snap.

1 – Make a list of questions about your loan program

Be sure to have a list of questions with you if you find that you do not perfectly grasp the ins and outs of the various programs. It's hard to understand the distinctions between both fixed and adjustable rate mortgages. I or one of my lenders can assist you in understanding the advantages and disadvantages of each program.

2 – Determine when you want to lock

When you lock in the rate, your mortgage lender is guaranteed to keep to the mortgage interest rates for the loan – usually at the time the loan application is received. By floating the rate, you can lock the rate anytime between application and closing. Buyers who elect to float presume that the interest rates will decline 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 decrease your interest rate

When you opt to pay additional points to lower the rate of your loan, you'll pay for them in cash at the time of closing. Each point is 1 percent of the loan. To determine if purchasing points is the best option for you, click here to use our points calculator.

4 – Gather your paperwork

Acquiring a loan requires lots of paperwork, so you should spend some time getting your documents together. Click here to get a feel for normal questions you'll have to answer on a loan app.