Do you wish to finance a home in Oklahoma City? Niki Higgins can help.

Feeling lots of anxiety over applying for a mortgage? You don't have to be. I have excellent relationships with several lending companies in the Oklahoma City area, and they've helped me realize some things that can make the loan application process effortless.


1 – Compose a list of questions about your loan program

Make sure you have a list of questions with you if you don't perfectly comprehend the ins and outs of all the various loan programs. It is a challenge to know the characteristics of fixed and adjustable rate mortgages. One of my lender contacts or I can help you understand the advantages and disadvantages of each program.

2 – Determine when you want to lock

By locking in an interest rate, the lender is guaranteeing the interest rates for the loan – generally at the time the loan application is received. By floating the rate, you can lock the rate at any time between application and issuance of closing documents. Buyers who elect to float believe the interest rates will dip in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Bring your paperwork

Getting a loan requires a lot of paperwork, so you should spend some time getting your documents together. Click here to see common information that goes on a loan application.


Need More Assistance?

Getting your mortgage is just one part of getting into a new home. Niki Higgins is seasoned at helping both new and experienced buyers alike in all areas of real estate. Contact me if your needs include a real estate pro experienced at the business side of buying and selling.

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Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

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