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Getting your mortgage is just one part of getting into a new home. Premier Realty is experienced at helping both new and experienced buyers alike 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.

Let Premier Realty assist you in financing a new home in BAKERSFIELD.

When buying a home, the loan application is very exasperating for most people, but it doesn't have to be. We have excellent relationships with many lending companies in the BAKERSFIELD area, and they've helped us recognize some things that can make the process of applying for a loan a snap.

1 ? Compile a list of questions regarding your loan program

If you find that you do not fully understand the advantages and disadvantages of the different financing options, make sure to bring a list of questions with you. It's a challenge to understand the distinctions between both fixed and adjustable rate mortgages. One of our lender contacts or associates will help you understand the advantages and disadvantages of both programs.

2 ? Decide when you want to lock

By locking in the rate, the lender is committing to the interest rates for the loan ? typically 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. Those who elect to float presume that the 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 decrease 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. If you're unsure as to whether or not buying points is right for you, click here to use our points calculator.

4 ? Bring your paperwork

Getting a loan requires lots of paperwork, so you should take some time to get all your documents together. Click here to see general information that goes on a loan application.

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Premier Realty

3977 Coffee Road Suite C
BAKERSFIELD, CA 93308