Securing financing is just one part of a real estate transaction. Homes with Heart USA, Inc. is experienced at aiding both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of buying and selling.


Are you financing a new home? Homes with Heart USA, Inc. can help.

Stressed out about applying for a mortgage? You don't have to be. I have close business relationships with a lot of mortgage lenders in Charlotte, and they've helped me recognize some things that can make the process of applying for a loan very easy.

1 – Compose a list of questions about your loan program

If you find that you do not fully realize the advantages and disadvantages of all the different programs, be sure to bring a list of questions. I or one of my trusted lenders can assist you with understanding the advantages and disadvantages of both programs, because it is hard to know the characteristics of fixed and adjustable rate mortgages.

2 – Determine when to lock

Locking in the interest rate signifies that the lender commits to the interest rates for the loan – often at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day of your loan application and closing. Those who choose to float presume that the interest rates will fall in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Decide if you want to pay additional points to lower your interest rate

Oftentimes you can choose to pay additional points to lower the interest rate of your mortgage loan. Every point is 1 percent of the mortgage loan and is payable in cash at closing. To determine if you should buy points, 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 all your documentation together. Click here to preview common information that goes on a loan application.

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