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How do I find a lender?
  • Answer: You can finance a home with a loan from a bank, a savings and loan, a credit union, a private mortgage company, or various state government lenders. Shopping for a loan is like shopping for any other large purchase: you can save money if you take some time to look around for the best prices. Different lenders can offer quite different interest rates and loan fees; and as you know, a lower interest rate can make a big difference in how much home you can afford. Talk with several lenders before you decide. Most lenders need 3-6 weeks for the whole loan approval process. Your real estate broker will be familiar with lenders in the area and what they're offering. Or you can look in your local newspaper's real estate section - most papers list interest rates being offered by local lenders. You can find FHA-approved lenders in the Yellow Pages of your phone book. HUD does not make loans directly - you must use a HUD-approved lender if you're interested in an FHA loan.

Home Buying FAQ's

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Table of Contents
 

Why should I buy, instead of rent?

I've heard of HUD homes. What are HUD homes, and are they a good deal?

I've had bad credit, and I don't have much for a down-payment. Can I become a homebuyer?

I'm a single mother. How would I go about buying a home?

Should I use a real estate broker? How do I find one?

How much money will I have to come up with to buy a home?

How do I know if I can get a loan?

How do I find a lender?

In addition to the mortgage payment, what other costs do I need to consider?

So what will my mortgage cover?

What do I need to take with me when I apply for a mortgage?

I know there are lots of types of mortgages - how do I know which one is best for me?

When I find the home I want, how much should I offer?

What if my offer is rejected?

So what will happen at closing?

Source: U.S. Department of Housing and Urban Development

New Homes in Southern California - http://www.pardeehomes.com

New Homes in San Diego

 

 

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© 2003 Consumer Guides at consumer-guides.info (Home Buying FAQ)