| Need Assistance? 1-866-597-HALO 1-866-597-4256 |
About us...
| At Halo Financial Group, we pride ourselves in excellent customer service. We strive to make every client of our a satisfied life long contact. We accomplish this through excellence in our field and by hiring the most qualified Real Estate and Loan Associates. Rest assured...when you work with us, you are in good hands. We work will all levels of Real Estate consumers. We have solutions for the most savvy investors, and even for first time home buyers. Contact us today and become our next satisfied life long client. |
| Need Assistance? 1-866-597-HALO 1-866-597-4256 |
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| • Refinance • Purchase Real Estate • Lower your bills • consolidate debt • Get cash out • Credit improvement • Expand your business |
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| We are located at: 2681 Walnut Ave. 2nd Floor Tustin, Ca. 92780 1-866-597-HALO (4256) info@halofinancialgroup.com |
| Call or stop by today. We look forward to meeting you. |
How to Choose a Mortgage Lender
Choosing a mortgage lender is as important as choosing your new home. In
fact, choosing a lender is the first thing you should do even before looking
for your new home. The loan officer and the company he or she represents
has the responsibility of not only gathering necessary information for loan
approval, but in helping you choose the right mortgage program, and in
making the process as hassle free as possible.
Interest rates vary by the minute with different rates for different programs.
Most borrowers find little difference in fees and rates when dealing with
reputable mortgage professionals.
What factors, other than interest rates, should you consider? There are
many loan programs to choose from. The differences are not just limited to
your income or assets. The term of the mortgage, whether there’s a
prepayment penalty, or a balloon payment, are only a few of the factors you
must considered in choosing the program that best fits your needs. The
lenders' job is to explain the differences while analyzing your particular
circumstances, so you can make an informed decision.
Can you lock in an interest rate when you apply for a loan? Some lenders
allow you to lock in a rate at application, and guarantee that rate for a
specific period of time. Others may not allow you to lock a rate until you
have formal loan approval, or not guarantee your rate until just before
closing. The length of your lock must give you sufficient time to close your
loan at the rate at which you were qualified.
Is the lender familiar with the area where the home is located? Some lenders
may have different requirements for different areas. Will the lender accept
homes in rural areas? Will they accept mountain properties? Do they
understand homes with well and septic systems? Local lenders understand
the unique characteristics of properties in their lending area.
Choosing a mortgage lender is as important as choosing your new home. In
fact, choosing a lender is the first thing you should do even before looking
for your new home. The loan officer and the company he or she represents
has the responsibility of not only gathering necessary information for loan
approval, but in helping you choose the right mortgage program, and in
making the process as hassle free as possible.
Interest rates vary by the minute with different rates for different programs.
Most borrowers find little difference in fees and rates when dealing with
reputable mortgage professionals.
What factors, other than interest rates, should you consider? There are
many loan programs to choose from. The differences are not just limited to
your income or assets. The term of the mortgage, whether there’s a
prepayment penalty, or a balloon payment, are only a few of the factors you
must considered in choosing the program that best fits your needs. The
lenders' job is to explain the differences while analyzing your particular
circumstances, so you can make an informed decision.
Can you lock in an interest rate when you apply for a loan? Some lenders
allow you to lock in a rate at application, and guarantee that rate for a
specific period of time. Others may not allow you to lock a rate until you
have formal loan approval, or not guarantee your rate until just before
closing. The length of your lock must give you sufficient time to close your
loan at the rate at which you were qualified.
Is the lender familiar with the area where the home is located? Some lenders
may have different requirements for different areas. Will the lender accept
homes in rural areas? Will they accept mountain properties? Do they
understand homes with well and septic systems? Local lenders understand
the unique characteristics of properties in their lending area.