Securing financing is just one aspect of getting into a new home. BRS Realtors, Inc. is experienced at helping 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 real estate.

Let BRS Realtors, Inc. assist you with applying for a new home loan in Miami.

Stressed out about getting financing for a home purchase? You don't have to be. I have close professional relationships with a lot of lenders in the Miami area, and they've helped me understand a few things that will make the process of applying for a loan very manageable.

1 – Compose a list of questions regarding your loan program

If you do not entirely comprehend the advantages and disadvantages of all the different loan programs, make sure to have a list of questions. It can be hard to understand the differences between both fixed and adjustable rate mortgages. I or one of my lender contacts can assist you in understanding the advantages and disadvantages of both.

2 – Decide when you want to lock

When you lock in an interest rate, it denotes that the lender commits to the mortgage interest rates for the loan – often at the time the loan application is submitted. By floating the rate, you can lock the rate at any time between application and closing. Buyers who decide to float conclude that interest rates will drop in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Determine if you want to pay additional points to reduce your interest rate

When you decide to pay additional points to lower the interest rate of your loan, you'll pay for them in cash at closing. Every point is 1 percent of the mortgage loan. Click here to use our points calculator. This tool will assist you in deciding if purchasing points is right for you.

4 – Gather your paperwork

Getting a loan requires lots of paperwork, so you should spend some time getting your documents together. Click here to preview typical questions you'll have to answer on a loan app.

Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.75% 3.79%
15-yr Fixed 3.22% 3.29%
1-yr Adj 3.46% 3.49%
* national averages

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12925 SW 132nd St Ste 5B
Miami, FL 33186-6295