
	Securing financing is just one aspect of a real estate transaction. John Hayton is seasoned at helping new and experienced in all areas of real estate. Call us today at 4076909949 if your needs include a professional REALTOR^® experienced at the business side of real estate.

Are you going to finance a new home? John Hayton can help.

Stressed out about applying for a mortgage? You don't have to be. I've got great connections to various lenders in the Orlando area, and they've helped me realize some things that will make the loan application process a snap.

1 – Make a list of questions regarding your loan program

Be sure to bring a list of questions with you if you find that you don't perfectly understand the advantages and disadvantages of the different programs. Oftentimes, it can be hard to understand the differences between both fixed and adjustable rate mortgages. I or one of my trusted lenders will be able to help you understand the advantages and disadvantages of both.

2 – Determine when you want to lock

When you lock in an interest rate, a lender is guaranteed to hold to the interest rates for the loan – generally at the time the loan application is sent in. By floating the rate, you can lock the rate anytime between the loan application day and closing. Those who choose to float conclude that interest rates will fall 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

Generally you can opt to pay additional points to lower the rate of your loan. Every point is 1 percent of the 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

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