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First Time Buyers >Finding A Loan

There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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Q	What is a Balloon Mortgage?
A	A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Team M.C., REALTOR®, real estate agent and broker for Chico, Forest Ranch and Butte Valley, California home listings, property and land for sale

Mark Chrisco
RE/MAX of Chico
1140 Mangrove Avenue #D
Chico, CA 95926
Phone: 530-896-9345
Fax: 530-896-9307
Email: mark@mcsellschico.com

DRE #01063198

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