Home sweet home. This is the place to find happiness. If one doesn't find it here, one doesn't find it anywhere. ~ THERE ARE SO MANY WONDERFUL REASONS TO COME HOME ~ THE BEST PART OF ANY DAY IS COMING HOME ~ IT'S NOT HOW BIG YOUR HOUSE IS BUT HOW HAPPY YOUR HOME IS! ~ EVERY HOME HAS A STORY TO TELL ~ IT TAKES HANDS TO BUILD A HOUSE AND HEARTS TO BUILD A HOME ~ Winney the Pooh says "Home is the comfiest place to be" ~ HOME INSPIRES US TO GO OUT IN THE WORLD AND DO GREAT THINGS AND RETURN TO BE REFRESHED ~ HOME IS MY SAFE PLACE ~
Ten Questions to Ask Your Lender
Be sure you find a loan that fits your needs with these comprehensive questions.
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What are the most popular mortgage loans you make? Why?
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Which type of mortgage plan do you think would best for us? Why?
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Are your rates, terms, fees, and closing costs negotiable?
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Will I have to buy private mortgage insurance? If so how much will it cost and how long will it be required? NOTE: Private mortgage insurance is usually required if you make less than a 20-percent downpayment, but most lenders will let you discontinue the policy when you’ve acquired a certain amount of equity by paying down the loan.
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Who will service the loan? Your bank or another company?
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What escrow requirements do you have?
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How long is your loan lock-in period (the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if they drop during this period?
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How long will the loan approval process take?
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How long will it take to close the loan?
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Are there any charges or penalties for prepaying the loan?
Used with permission from Real Estate Checklists & Systems, www.realestatechecklists.com.
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CALL MARY LOU AT 561-305-7139
YOU MAY E-MAIL ME AT ciambriello@bellsouth.net
I do not return calls after 8 in the evening or call before 9 in the morning.
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Contact Information
Mary Lou Ciambriello Realtor and Happy Ending SpecialistAssociated Home Solutions Realty LLC
3975 20th Avenue (aka Route 60) on the southeast corner of 4oth St.
Vero Beach, Florida 32963
Phone: 561.305.7139Vero Beach, Florida 32963
Cell: 561.305.7139
Send a message
Equal Housing Opportunity. This material is based on information which we consider reliable, but because it has been supplied by third parties, we cannot represent that it is accurate or complete and should not be relied on as such. This offering is subject to errors, omissions, change of price or withdrawal without notice. | Please do your homework. Work with a reputable firm and a seasoned Realtor. If you are paying CASH, make sure you understand the area and what is going on.
Condo Buyers...Be sure you are buying into a complex were your vote counts. You do not want to purchase in a complex where someone owns the majority of the units. Know the demographics. How many condo owners are in default? How many units are occupied by renters? Is there a special assessment? Does the complex have good reserves? Should you want to get a loan in the future ....COULD YOU?...Not all complexes are mortgage material.…..DO YOUR HOMEWORK! Use a real estate attorney.