Securing financing is just one part of getting into a new home. Harvey Realty Group, LLC is experienced at aiding new and experienced in all areas of real estate. Contact us if your needs include a professional REALTOR® experienced at the business side of buying and selling.


Are you going to finance a home in Great Falls? Harvey Realty Group, LLC can help.

For many people, securing the loan can be one of the most troublesome parts of purchasing a home. But it doesn't have to be. I have excellent relationships with various mortgage lenders in Great Falls, and they've helped me realize a few things that can make the loan application process easy.

1 – Make a list of questions regarding your loan program

Be sure to have a list of questions with you if you find that you don't entirely understand the advantages and disadvantages of the various loan programs. At times, it can be hard to understand the differences between both fixed and adjustable rate mortgages. I or one of my lender contacts will assist you in understanding the advantages and disadvantages of each program.

2 – Determine when you want to lock

When you lock in a rate, it denotes that your mortgage lender keeps to the mortgage interest rates for the loan – often at the time the loan application is presented. By floating the rate, you can lock the rate at any time between the day of your loan application and the issuing of closing documents. Those who choose to float conclude the interest rates will drop 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

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

4 – Bring your paperwork

Acquiring a mortgage loan requires a lot of paperwork, so you should take some time to get all your documentation together. Click here to see common questions you'll have to answer on a loan app.

Harvey Realty Group, LLC 1146-H Walker Rd. Great Falls, VA 22066-1838
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