Need Financing Information?
Hirschi Realtors is Prepared to Help You!
Most real estate transactions involve some type of mortgage financing and we make it a priority at Hirschi Realtors to be knowledgeable about current loan programs. From First-time Homebuyer programs, to FHA, VA and Conventional Loans, and from Adjustable Rate Mortgages to Assumptions, Wraparounds and Owner-financed transactions, we can assist you in finding the best possible financing for YOUR real estate purchase or sale.
We stay in constant communication with local lending institutions and we keep up with the best interest rates, discount points, fees and closing costs. Because we are so familiar with financing programs and the lenders who offer them, we have the ability to help you save time and money. We can also help communicate with the lender, coordinate the process all the way to the Loan Closing, and generally help bring about a smoother transaction.
By gathering certain basic information from you, we can help you determine an affordable price range, monthly payment and the total amount of money you will need in order to "move-in" to your new home. We can also assist you in getting "pre-qualified" by a local lender prior to your house-hunting efforts, and a few of those lenders who offer this service are listed below. Or, you can even check out our mortgage payment calculator site to find current rates, determine your monthly payments and see how much house you can afford. Also, if you would like to learn more about the home buying and financing process, we have included a few short videos provided by the Department of HUD entitled Shopping for Your Loan, Shopping for Your Home, and Closing the Deal.
Since the first thing your mortgage lender will do when you make loan application is to order a credit report, and since you are entitled to one FREE credit report per year, you may want to order your own at AnnualCreditReport.com.
Beyond your required down payment, you will typically have to pay settlement or "closing" costs. To learn more about what these are, go to the attached Consumer's Guide to Mortgage Settlement Costs. Or, if you would like, we can provide an estimate of buyer's closing costs to you.
As you can probably tell, we are able to provide you with help and guidance in the area of mortgage lenders and mortgage loans, as well as helping you locate the perfect house. Please give us the opportunity to help YOU!
Visit These Local Lender Sites
American National Bank
First National Bank
Jacksboro National Bank
Union Square Federal Credit Union
Wells Fargo Home Mortgage