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Contact me anytime for all of your Real Estate needs! 850-450-7341 or r.havrilla@mchsi.com
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Interest Rates >Locking in Loan Rates It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.
While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.
The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.
Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.
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| Q |
What famous Art Deco skyscraper is decorated with eagle hood ornaments, hubcaps and abstract images of cars?
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| A |
New York's Chrysler Building, designed by architect William Van Alen in 1930, was one of the first buildings composed of stainless steel over a large surface area.
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Robert Havrilla
RE/MAX on the Coast
911 Gulf Breeze Parkway
Gulf Breeze, FL 32563
Direct Line: 850-450-7341
Fax: 850-932-7002
Robert's Email: r.havrilla@mchsi.com
Specializing in Escambia Home Sales & Santa Rosa Home sales. Robert Havrilla is the one to call. Selling Perdido Key Homes, Pensacola Homes, Pace Home, Milton Homes, Gulf Breeze Homes, and also Pensacola Beach Homes. Robert also sells Beach condos & Golf course homes/condos. Servicing much of NWFL home sales. Robert is very service oriented and can sell or list your FL Panhandle Home. Call anytime day or night. (850) 450-7341   
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