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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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If this is your first visit  or you've visited our old web site, you may like our new look, so take your time and browse. We have plenty of information and resources available to you.   We appreciate hearing from you and promise to not pressure, just give you the information to a property you may be interested. You won't be a number. We believe in  the basics, relationship building. If you are not into that..lol...it's quite alright, just keep on browsing. We have continued up to date properties and information. Again, our sincere appreciation for allowing the oldest family owned boutique real estate agency since 1983, on the Gulf Coast to have you as our guest. We are that LITTLE PINK building on West Beach. We are a landmark.

CONTACT SHIRLEE OR CAMP

Shirlee Poulos GRI, ABR, CRS, CE Instructor/Broker/Owner
The Wharf
4766 Main St. L-22 Suite 1
Orange Beach, Al.
36561
Cell- 251-942-7521
Office-251-968-2330
Email: shirlee@carneyrealtyinc.com







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