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In 2021, How Do You Get the Best Mortgage Rates

When you go to a traditional bank, they only offer rates and programs offered by that specific institution. When finance through mortgage brokers, youu2019ll have access to multiple lenders. The Vieira Mortgage Team has access to over 30 lenders and will present the very best rates and programs to you from multiple lenders. <br>

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In 2021, How Do You Get the Best Mortgage Rates

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  1. In 2021, How Do You Get the Best Mortgage Rates?

  2. Whether you are purchasing your first home, refinancing, or remodeling, a mortgage can help you achieve your goals. However, it is important to prepare in order to secure the best mortgage rates and programs. Here’s a couple things to keep in mind that help you know how to get the best mortgage rates. 1. Improve the credit score Your mortgage rates are contingent on your credit. The better your scores, the lower rates you may secure at a lower cost. Even if your credit scores are on the lower side, there is still plenty of opportunity to secure great financing. Our loan officer, Jason Vieira, finds creative ways to increase your scores and open the possibility for better financing if need be. 2. Employment and Income To qualify for your mortgage, you should have two years of consistent employment history and a month's worth of paystubs to show. Exceptions are made in certain circumstances but two years is the standard length of employment. The same applies to those who are self-employed.

  3. 3. Save for a down payment Oftentimes, a larger down payment will allow lower mortgage rates due to a lower loan to value ratio. The standard is 20% of the down payment but depending on the seller and other circumstances, you may have the ability to put down a lower down payment. It also depends on the lender and their guidelines. 4. Lock in rates at the best timet The closing process sometimes takes several weeks, during which the mortgage rates can fluctuate. Once your loan officer recommends locking the rate, it is wise to do so. They know the market better than anyone and when it is the best time to secure your rate or wait. Take professional assistance for better results. To secure the ideal personalized programs and best mortgage rates, contact the Vieira Mortgage Team. We are a reputable team that has secured the best financing for over 7,000 homeowners. As a mortgage broker, we have access to numerous lenders and more personalized programs to fit your unique situation.Whether you are refinancing in Orange County or elsewhere in California, need cash or are purchasing a new home, you can trust the Vieira Mortgage Team with all your mortgage needs

  4. Contact Us 844-688-4219 100 Pacifica, STE 100, Irvine, CA 92618, USA info@vieiramortgage.com facebook.com/VieiraMortgageTeam

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