
	Securing financing is just one part of a home purchase. Triton Real Estate and Mortgage Solutions, Inc. is experienced at assisting new and experienced in all areas of real estate. Contact us if your needs include a professional REALTOR^® ready for the business side of buying and selling.

Are you going to finance your home in Aliso Viejo? Triton Real Estate and Mortgage Solutions, Inc. can help.

Stressed out about applying for a mortgage? You don't have to be. I have close business relationships with a lot of lenders in Aliso Viejo, and they've helped me learn a few things that make the loan application process very easy.

1 – Make a list of questions about your loan program

Be sure to have a list of questions if you find that you don't entirely grasp the pros and cons of the various programs. It's hard to understand the distinctions between fixed and adjustable rate mortgages. I or one of my trusted lenders will be able to help you understand the advantages and disadvantages of each program.

2 – Decide when you want to lock

When you lock in an interest rate, it signifies that your lender holds to the mortgage interest rates for the loan – generally at the time the loan application is received. By floating the rate, you can lock the rate anytime between the day you apply for the loan and closing. Buyers who decide to float presume the interest rates will plunge 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 elect to pay additional points to lower the interest rate of your loan, you will do so by paying for them in cash at the time of closing. Every point is 1 percent of the mortgage loan. Click here to use our points calculator. This tool will assist you with deciding if purchasing points is the best option for you.

4 – Compile your paperwork

Obtaining a mortgage loan requires lots of paperwork, so you should take some time to get your documentation together. Click here to preview common information that goes on a loan application.