Securing financing is just one aspect of a home purchase. Goodwin & Thyne Properties is seasoned at helping both new and experienced buyers alike in all areas of real estate. Call us today at 805-899-1100 if your needs include a professional REALTOR® experienced at the business side of buying and selling. Thinking of financing a home? Goodwin & Thyne Properties can help. Stressed out about applying for a mortgage? You don't have to be. I've got great connections to several lenders in Santa Barbara, and they've helped me recognize a few things that will make the loan application process a snap. 1 – Organize a list of questions regarding your loan program Make sure you have a list of questions if you find that you don't totally grasp the ins and outs of all the various loan programs. It can be hard to know the distinctions between fixed and adjustable rate mortgages. I or one of my lenders will be able to assist you in understanding the advantages and disadvantages of each. 2 – Decide when you want to lock By locking in a rate, your mortgage lender is committing to the interest rates for the loan – most often at the time the loan application is received. By floating the rate, you can lock the rate anytime between the loan application day and at the time of closing. Buyers who choose to float presume 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 lower your interest rate Typically you can decide to pay additional points to lower the rate of your loan. Every point is 1 percent of the mortgage loan and is payable in cash at the time of closing. To decide if buying points is the best option for you, click here to use our points calculator. 4 – Compile your paperwork Acquiring a mortgage loan requires lots of paperwork, so you should take some time to get your documents together. Click here to see general questions you'll have to answer on a loan app.

Learn more about our “Smart Buyer Program” and “Smart Seller Program”.  
These programs are designed to save you thousands of dollars on your next
purchase or sale while providing you the best service in the industry. 
Call  (805) 899-1100  or e-mail  TeamGT@GTprop.com with any questions.

CA DRE #01477382