
	Securing financing is just one part of a real estate transaction. Movement Mortgage is seasoned at helping new and experienced in all areas of real estate. Call Sparky today at 540-480-9262.

Are you thinking about financing your new home? Movement Mortgage can help.

Stressed out about applying for a mortgage? You don't have to be.

1 – Organize a list of questions regarding your loan program

Be sure you bring a list of questions if you find that you don't perfectly grasp the ins and outs of all the various loan programs. It is often hard to understand the distinctions between fixed and adjustable rate mortgages.

2 – Decide when to lock

By locking in the rate, a mortgage lender is committing to the mortgage interest rates for the loan – most often at the time the loan application is presented. By floating the rate, you can lock the rate anytime between the day of your loan application and at the time of closing. Buyers who choose to float conclude that interest rates will dip in the near future.

3 – Decide if you want to pay additional points to reduce your rate

Normally you can choose to pay additional points to lower the interest rate of your loan. Every point is 1 percent of the mortgage loan and is payable in cash at closing. Click here to use our points calculator. This tool will help you determine if purchasing points is the best option for you.

4 – Gather your paperwork

Obtaining a loan requires lots of paperwork, so you should take some time to get your documents together. Click here to get a feel for normal questions you'll have to answer on a loan app.

Home Status Report

Want to know if a home is still on the market, or if the price has changed? We can help. Simply fill out the information below and with no obligation to you we'll get back to you with your requested information. We guarantee your privacy.

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Today's Rates

Mtg Loan	Rate	APR
30-yr Fixed	6.79%	6.85%
15-yr Fixed	6.11%	6.27%
1-yr Adj	0%	0%

* national averages