Getting your loan locked down is just one aspect of getting into a new home. KEY INSIGHT Real Estate Services is seasoned at aiding 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 KEY INSIGHT Real Estate Services assist you in applying for your loan.

Stressed out about applying for a mortgage? You don't have to be. I've got great connections to a lot of lending companies in the Rhinelander area, and they've helped me understand some things that make the loan application process easy.

1 – Compose a list of questions about your loan program

Be sure you have a list of questions if you find that you do not entirely grasp the advantages and disadvantages of the different loan programs. I or one of my lender contacts can assist you with understanding the advantages and disadvantages of each program, because it is a challenge to understand the distinctions between fixed and adjustable rate mortgages.

2 – Determine when to lock

By locking in the rate, your mortgage lender is guaranteeing the interest rates for the loan – usually at the time the loan application is presented. By floating the rate, you can lock the rate anytime between the day you apply for your loan and at the time of closing. Those who opt to float presume interest rates will dip 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 decrease your rate

When you opt to pay additional points to lower the interest rate of your loan, you'll do so by paying for them in cash at the time of closing. Every point is 1 percent of the mortgage loan. If you're undecided on whether or not purchasing points is the best option for you, click here to use our points calculator.

4 – Compile your paperwork

Getting a mortgage loan requires a lot of paperwork, so you should take some time to get all your documentation together. Click here to see typical information that goes on a loan application.

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