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Getting the Right Rate in Charlotte!
Recently the Federal Reserve announced they intend to keep interest rates low for now, but we have already seen some rise in the rates for 30 year mortgages. To get the best interest rate available on your loan, you may want to consider points. Points are simply fees you pay up front in order to have a lower interest rate for the life of your loan.
How can you know if points are right for you? Here are a few questions to ask yourself before utilizing points on your mortgage. What will be the cost at closing? Are you going to be staying in your home long term or is there a chance you will be moving in a few years?
There are online calculators that can give you an idea how long it would take to break even. Knowing what will work for your situation BEFORE you talk to a lender will help you get the best rate and terms for your loan!
If you are looking for a home in the Greater Charlotte Area and need pointed in the right direction, call Lars Hedenborg!
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