Sacar una hipoteca? Pregúntele a su prestamista estas preguntas clave

Ask your mortgage lender these key questions It can be stressful to buy a home for the first time. This is made even worse when you’re still unsure of how to go about buying a home in the first place. That’s why it’s important to ask your mortgage lender the right questions to help you land a great loan.   Don’t let your anxieties get in the way of asking your mortgage lender the questions you need to know. The more information you can get, the more confident you’ll feel getting a home loan.   That said, here are some questions you may want to consider asking your mortgage lender.  

¿Cuál es la tasa de interés?

  You’ll be paying your mortgage every month and a part of that monthly payment is your interest. Your interest rate and your credit score determines how much interest you’ll be paying every month.   For a traditional mortgage loan, the minimum credit score is 620. Be sure that you’re able to understand the difference between the mortgage loan’s annual percentage rate (APR) and the interest rate. Ask your mortgage lender for clarification if necessary because both are important in helping you choose the best loan option for you.  

¿La hipoteca es fija o ajustable?

Ask your mortgage lender whether your mortgage has a fixed rate or if it’s an adjustable-rate mortgage, or ARM. The difference between these two is that a fixed-rate mortgage has an interest rate that says the same during the duration of the loan. The interest rate on an ARM will fluctuate. Fixed-rate mortgages are often favored by homebuyers. If you do choose to go with an ARM, make sure that you know how often the interest rate will change.

¿Qué son las tasas hipotecarias?

  Mortgage fees are a few one-time fees that you’ll be expected to pay when you’re ready to close on a house. For every fee that you pay, your mortgage lender reduces the interest rate o your loan by 1%.   However, at the price of a higher interest rate, you puede pregunte a su prestamista si aceptarán cerrar sin pagar ninguna tarifa de hipoteca.  

¿Dónde puedo encontrar casas de nueva construcción en Dallas?

  The average borrower in the U.S. puts down an estimated 5% on their home purchase. If you can afford to put down 5% on a house, it may be time to start looking for newly built homes in Dallas or another great city.   Whether you’re looking for casas de nueva construcción en Dallas, Houston, o Fort Worth, Camden Homes puede ayudarlo a comprar una casa que ama. Para obtener más información sobre nuestras casas de nueva construcción en Dallas, Fort Worth y Houston o para ver nuestras casas modelo, comuníquese con Camden Homes hoy.

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