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Knowledge

Frequently Asked Questions

General | Mortgage Tools | Rates & Costs | Loan Decision | Closing

General

Can I be pre-approved for a loan before I've found a property?
Why is an appraisal necessary? Can I use the tax value of the home?
How is the appraisal obtained?
Who can tell me what my property taxes will be?
What is a Good Faith Estimate?
What is a Truth-in-Lending statement?
What is a home equity line of credit?
How do interest only products work?

Mortgage Tools

How much down payment will I need?
When should I start shopping for a mortgage and how do I know what I can afford?
Do I need to sell my existing home before I apply for a new mortgage loan?
Why is the Annual Percentage Rate (APR) different from the interest rate?
Can I be pre-approved for a loan if I have credit problems?

Rates and Costs

How often do interest rates change?
How can I customize my rate?
What factors go into determining my personalized rate?
Can I lock in a loan program and interest rate online?
Once I have selected a program, what are my rate options?
When can I lock my rate?
What if interest rates go down after I lock my rate?
What happens if my loan does not close before the rate lock expiration date?
If I have selected rate protection and do not exercise my one-time float down option, what will happen?
What are points?
Are discount points tax deductible?
If I’m short on cash, do I have options to help with my down payment and closing costs?

Loan Decision

How long is my Letter of Approval valid?
What does a mortgage lender consider when making a loan decision?
How much does it cost to get a loan decision?
How long will it take to get my loan decision?
Can I change the loan amount, down payment or program after I've received my loan decision?
I already put earnest money down on the property. Is this included on the Good Faith Estimate?
What documents will I need to provide to complete my loan transaction?
What is a 4506 form?

Closing

Do I have to attend closing? What are my options?
How does it benefit me to let you select the closing agent?
Where do I go to close the loan?
Can I bring a personal check to the closing?
What is title insurance and why is it required?
How much title insurance do I need?
How much homeowner’s insurance do you require?
How do I know if I need flood insurance?
How are my property tax bills paid?
What type of inspections do I need before I close on my home?

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Terms and Conditions

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	© 2008 Coldwell Banker Landmark Group \| 746 So. Main Street Suite A, Fallbrook, CA 92028 \| \| (760) 728-8000 \| (800) 372-0008 Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate Corporation. An Equal Opportunity Company. Equal Housing Opportunity.