There are a lot of mortgage companies out there.  While using a mortgage company to help you find the best rate makes sense, it’s important to select the right company.  Here are a few tips for selecting a good mortgage company for your needs:

  1. Be careful of special promotions that have hidden fees. Many of the deals you may see on television or in the papers may try to win your business with an extremely low rate, but once you factor in all the hidden costs, you’re not saving at all!
  2. Be sure you know each fee up front and what it is for. As touched on in point #1, some companies may tack on additional costs that are not disclosed right away. A good company will make all of this information readily available to you.
  3. Be aware of application and appraisal fees. Some mortgage companies charge huge amounts for these but don’t really offer anything to justify the cost. Track down the best service at the lowest cost.
  4. Service is the most important factor when considering a Pensacola Mortgage Company. Unfortunately there are some companies that are committed more to their bottom line than they are to their customers.  You should choose a mortgage company that will take the time to get to know you and your needs, and formulate a plan that works for you!

We will do whatever it takes to become your Pensacola Mortgage Company. Let us answer your questions and win your trust by calling us at 850-936-0422 today!

Contact Pensacola Mortgage today!


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When should you decide to refinance your mortgage?  That depends on a number of factors.  Right now may, or may not be the best time in history to make this decision, but predicting this move perfect would require a bit of psychic ability on your part.  Many experts recommend that if you find a good deal that saves you a significant amount of money, it’s probably worth taking the deal rather than waiting to beat it.

The three major factors are simple:

  • How much will you reduce your interest rate?
  • How much will you pay in closing costs?
  • How long do you plan on keeping the house?

The old rule was that you should refinance if you could get a rate two points lower than your current rate. Now, mortgage experts say to look into it if you can reduce your rate by even half a point. Many people decide that one full point is reason enough to look into your Pensacola mortgage refinance options.  The longer you plan to keep the house, the smaller the reduction that will benefit you because you’ll have enough time to regain your closing costs.

If you are considering refinancing, we’d be happy to provide any assistance or advice you might need.  Just give us a call at 850-936-0422 today so we can explore your options.

Contact Pensacola Mortgage today!


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