There are too many homeowners out there complaining about lugubrious customer service in the world of refinancing. Lenders don't return phone calls or reply to emails, leaving consumers in limbo. You want to grease those wheels, buddy, and you don't want those interest rates going up on you, so keep these five things in mind next time you decide to refinance.
Make sure all your bases are covered. It's all about the documents, baby, and there's going to be a lot of them when it comes to mortgage loans. Call ahead and find out what you need to bring before you sign the application on the dotted line. You may need to bring your tax returns, legal documents or even the hubby or the missus! Trust us, if you have everything (and everyone) with you, that should get the ball rolling.
Don't get caught napping in the outfield. It's great if you're "on the mark" and "set;" but if you're not ready to "go," you may be eliminated from the race. That is similar to not having the money on you to pay up when the time comes to pay for your credit checks, appraisals, the whole nine yards prior to closing. Zero in on a rate, lock it in by promptly paying and you'll be confident of a successful your home mortgage application. Last thing you want is to be beaten out by quicker-thinking customers at the checkered flag, right?
Imagine you're at your doctor's office. When you go to the doctor with a specific complaint, the most important thing is to communicate your symptoms. As such, you can expect the doctor to prescribe medication or give advice. So with that in mind, you would want to grab a pen and paper and write down your top five reasons to refinance before you mosey over to your lender for your appointment. This way, you can get the exact mortgage package that's appropriate for you.
Do your research. You got that right - this is another one of those "do your research" things where you go on the 'net, and this case, compare different mortgage packages. Do you want an adjustable or fixed rate? Fixed payment amount with a shorter LOL? (life of loan, not laughing out loud, natch!) Trying to lock in on a low rate or perhaps you want to have more cash flow available? Do you want to pay down principal, or just pay interest? Ask yourself these questions ahead of time. Your lender can give you the home loan mortgage refinancing option that works for you best if you have a clear idea of what's best for you.
Don't babysit the mortgage refinancing loan process. Okay, one LAST baseball ref - much like no club in its right mind would want to blow a 10-1 lead in the ninth inning to a barrage of homers from the opposition, you wouldn't want to let your mortgage refinancing loan fall by the wayside and let your lender do all the dirty work - check back regularly to confirm all is okay!
As you can see, it's a simple five-step process to winning the game of mortgage loan application. And you want THAT something - a fast and hassle-free mortgage application!
Make sure all your bases are covered. It's all about the documents, baby, and there's going to be a lot of them when it comes to mortgage loans. Call ahead and find out what you need to bring before you sign the application on the dotted line. You may need to bring your tax returns, legal documents or even the hubby or the missus! Trust us, if you have everything (and everyone) with you, that should get the ball rolling.
Don't get caught napping in the outfield. It's great if you're "on the mark" and "set;" but if you're not ready to "go," you may be eliminated from the race. That is similar to not having the money on you to pay up when the time comes to pay for your credit checks, appraisals, the whole nine yards prior to closing. Zero in on a rate, lock it in by promptly paying and you'll be confident of a successful your home mortgage application. Last thing you want is to be beaten out by quicker-thinking customers at the checkered flag, right?
Imagine you're at your doctor's office. When you go to the doctor with a specific complaint, the most important thing is to communicate your symptoms. As such, you can expect the doctor to prescribe medication or give advice. So with that in mind, you would want to grab a pen and paper and write down your top five reasons to refinance before you mosey over to your lender for your appointment. This way, you can get the exact mortgage package that's appropriate for you.
Do your research. You got that right - this is another one of those "do your research" things where you go on the 'net, and this case, compare different mortgage packages. Do you want an adjustable or fixed rate? Fixed payment amount with a shorter LOL? (life of loan, not laughing out loud, natch!) Trying to lock in on a low rate or perhaps you want to have more cash flow available? Do you want to pay down principal, or just pay interest? Ask yourself these questions ahead of time. Your lender can give you the home loan mortgage refinancing option that works for you best if you have a clear idea of what's best for you.
Don't babysit the mortgage refinancing loan process. Okay, one LAST baseball ref - much like no club in its right mind would want to blow a 10-1 lead in the ninth inning to a barrage of homers from the opposition, you wouldn't want to let your mortgage refinancing loan fall by the wayside and let your lender do all the dirty work - check back regularly to confirm all is okay!
As you can see, it's a simple five-step process to winning the game of mortgage loan application. And you want THAT something - a fast and hassle-free mortgage application!
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