Getting your mortgage is just one aspect of a home purchase. Miller & Midyett Real Estate is experienced at helping both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a real estate pro ready for the business side of real estate.


Do you wish to finance your home in Lawrence? Miller & Midyett Real Estate can help.

Feeling lots of anxiety over getting financing for a home purchase? You don't have to be. We have excellent relationships with several mortgage lenders in the Lawrence area, and they've helped us recognize some things that can make the loan application process uncomplicated.

1 – Assemble a list of questions regarding your loan program

If you find that you don't entirely understand the pros and cons of the various financing options, be sure you bring a list of questions with you. It's a challenge understanding the differences between both fixed and adjustable rate mortgages. We or one of our lenders will assist you with understanding the advantages and disadvantages of each program.

2 – Determine when you want to lock

Locking in the interest rate indicates that your mortgage lender guarantees the mortgage interest rates for the loan – normally at the time the loan application is received. By floating the rate, you can lock the rate at any time between the day of your loan application and closing. Buyers who decide to float conclude that the interest rates will plunge in the near future.

3 – Decide if you want to pay additional points to decrease your interest rate

If you decide to pay additional points to lower the rate of your loan, you'll pay for them in cash at closing. Each point is 1 percent of the loan. Click here to use our points calculator. This tool will help you determine if buying points is the best option for you.

4 – Gather your paperwork

Getting a loan requires a lot of paperwork, so you should spend some time getting all your documents together. Click here to get a feel for general questions you'll have to answer on a loan app.

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