Securing financing is just one part of a home purchase. Mickey Hambright is seasoned at helping both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a professional REALTOR® experienced at the business side of real estate. Let Mickey Hambright help you finance a home. Stressed out about getting financing for a home purchase? You don't have to be. Having connections to a lot of lenders in Landrum has helped me recognize some things that make the loan application process pretty simple. 1 – Make a list of questions about your loan program Make sure you have a list of questions if you find that you do not fully grasp the ins and outs of the various loan programs. I or one of my lenders will be able to help you understand the advantages and disadvantages of both programs, because it can be a challenge to understand the distinctions between both fixed and adjustable rate mortgages. 2 – Decide when you want to lock When you lock in an interest rate, it signifies that a mortgage lender guarantees the mortgage interest rates for the loan – typically at the time the loan application is submitted. By floating the rate, you can lock the rate anytime between the loan application day and closing. Those who choose to float believe the interest rates will decline 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 decrease your rate If you elect to pay additional points to lower the rate of your mortgage loan, you will pay for them in cash at closing. Every point is 1 percent of the mortgage loan. To decide if purchasing points is right for you, click here to use our points calculator. 4 – Compile your paperwork Obtaining a mortgage loan requires lots of paperwork, so you should take some time to get your documents together. Click here to get a feel for general questions you'll have to answer on a loan app.

Mickey Hambright specializes in North and SC farms, land and homes - servicing the real estate needs of home buyers and home sellers in search of real estate, homes for sale, condos, investment properties, horse farms, equestrian properties, stable properties, commercial real estate, new construction, new homes, land, lots, mountain view properties, farms and recreational property in these nearby communities and more!

Area Appeal | Asheville | Blue Ridge Mountain Country | Columbus | Horse Country | Landrum | Polk County | Saluda | Tryon

Mickey Hambright

400 E. Rutherford Street  Suite 100
Landrum,  SC  29356

Toll Free:  800-442-4749 Extension 121
Direct Line:  828-817-1796

Email:  gmhambright@gmail.com
Web Site: www.hambrightproperties.com

Licensed in North Carolina and South Carolina