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Shop for a Loan

[Financing]

How to Find a Lender

Today, lenders can be found through a variety of sources. In addition to calling on ads in the newspaper, you can also find and apply to lenders over the internet, and through referrals from your REALTOR. We would be happy to suggest lenders we have used successfully, who have proven themselves competitive and capable even with problem properties or poor credit.

Choosing the Right Lender

Interview several lenders to evaluate the following:

  • Ability to explain things clearly and return your phone calls in a reasonable time period
  • Competitiveness of interest rates, costs & fees.
  • Availability of loan programs that suit your credit profile and desired property
  • Access to local loan approval committee that understands the kind of property you are buying

Choosing the Right Kind of Loan

Today there are so many types of loans on the market that it is beyond the scope of this page to list or explain them all. Your lender is the best person to help you select a loan program to suit your needs. Below is a summary of the three most popular loan types we see in practice; for more detailed information click the link at the end of this page.

  1. Fixed loan: The fixed rate loan assures your monthly payments will stay the same over the life of the loan, which is typically between 15 and 30 years. Fixed rate loans may be best if you intend to hold the property for a long period of time, say over 7 years.
  2. ARMs (adjustable rate mortgages):  ARM’s may be suitable if you plan to sell or refinance your home within the next few years. The starting interest rate is typically lower than a fixed rate loan, saving you money initially. However, it is important to understand the index, the readjustment interval, the capitalization rate and downside risks of an ARM before making a final decision to use this type of loan.
  3. Intermediate ARMs: Also called Hybrid Loans, these loans can offer fixed interest rates for the first 3, 5, 7 or 10 years after which the interest rate adjusts with the market every 6 months or year thereafter.

What Type of Loan Is Best For You?

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    SADLER REALTY LLC.
    9119 Highway 6
    Suite 230 #222
    Missouri City, Texas 77459

    713.628.4487

    info@SadlerRealty.com

     

    The information set forth on this web site is based upon information which we consider reliable, but because it has been supplied by third parties (who in turn supplied it to us), we cannot represent that it is accurate or complete, and it should not be relied upon as such. The offerings are subject to errors, omissions, changes, including price, or withdrawal without notice. All dimensions are approximate and have not been verified by the selling party and cannot be verified by SADLER REALTY LLC., SADLER REALTY GROUP, TEAM SADLER or our affiliates. It is recommended that you hire a professional in the business of determining dimensions, such as an architect, licensed appraiser or civil engineer, to determine such information.

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      • Home
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        • Join Our Team
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          • Bellaire
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          • Bellaire Luxury Homes
          • Carlton Woods
          • Galleria
          • Katy
          • Memorial Area
          • Sienna Plantation
          • Sugar Land
          • West University Place
        • Luxury High Rise Condos
          • Penthouses For Sale
          • The Cosmopolitan
          • The Royalton
          • Highland Tower
          • The Houstonian
          • 2727 Kirby
          • The Astoria
          • The Huntingdon
          • The Montebello
          • All High Rises
        • Golf Course Properties
          • Fort Bend
          • Galveston
          • HOUSTON
          • Golf Course Finder
          • All
        • Galveston Properties
          • Crystal Beach
          • Bayou Vista
          • East End
          • Tiki Island
          • West End
          • All
        • Woodlands Luxury Homes
        • International Properties
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          • Fort Bend
          • Houston
      • Buyers
        • Ready To Buy
        • Buyers Guide
        • Buyer Articles
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        • Buy Resale Or New
        • Pre-Approval Letter
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        • Home Inpections
        • Home Warranty
        • School Statistics
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        • Homestead Exemption
        • Moving Checklist
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        • Under Contract
        • New Homeowners Checklist
      • Sellers
        • Ready To Sell
        • Sellers Articles
        • Sellers Guide
        • Marketing
        • What’s My Home Worth
        • Pricing Your Home Right
        • Preparing Your Home to Sell
        • Showing Your Home
        • Prepare For Home Photos
        • Disclosures and Documents
        • Mortgage Calculator
        • Moving Checklist
      • Communities
        • Community Guides
        • FORT BEND
          • Aliana
          • Cinco Ranch
          • Colony Bend
          • Cross Creek Ranch
          • Greatwood
          • Harvest Green
          • Imperial
          • Katy
          • Lake Olympia
          • Lake Shore Harbour
          • Missouri City
          • Pearland
          • Quail Valley
          • Riverstone
          • Sienna Plantation
          • Sugar Land
          • Sweetwater
          • Telfair
          • All Home For Sale
        • HOUSTON
          • Bellaire
          • Braes Heights
          • Downtown Houston
          • Eado
          • East Downtown Revitalized
          • Energy Corridor
          • Galleria / Uptown
          • Garden Oaks
          • Houston Heights
          • Maplewood
          • Midtown
          • Memorial
          • Meyerland
          • Montrose / Neartown
          • Museum District
          • Rice Miltary
          • RICE VILLAGE
          • River Oaks
          • Royal Oaks
          • Tanglewood
          • Timbergrove
          • Upper Kirby
          • Willowbend
          • Willow Meadows
          • Westbury
          • West University
          • Woodland Height
          • The Woodlands
      • Blog
      • Resources
        • Concierge
        • Directions to Sienna
        • Real Estate Acronyms
        • Real Estate Glossary
        • Real Estate News
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        • Using a 1031 Exchange
        • Get Home Value
        • Market Snapshot
        • Mortgage Loan Pre – Approval
        • Mortgage Calculator
      • Search
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          • Bellaire
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