HELPFUL BUYER INFORMATION

Why Buy with Me?
Setting a Budget
Credit Score
Getting Pre-Approved
Better Home Search Tools
Your Search Account
Scheduling a Showing
Understanding All the Paperwork
Making an Offer & Negotiations
Home Inspections
Home Insurance
Escrow & Closing Costs
Definitions of Working Relationships
Getting Pre-Approved

When looking for a home loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and mortgage companies will offer different loan origination fees, so by shopping around you can oftentimes save yourself a lot of money. Be sure to also check your loan officer’s website for information and testimonials. A good loan officer will offer you many online resources and tools.

Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month, and will come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years, with some loan providers now offering 40-year mortgages, as well. The longer the repayment term, the lower the payments will be. Remember, the interest accrued will be higher on a longer loan.

Getting Pre-approved for a Paonia CO home
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