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First Time Homebuyers: Jackson, Madison and Brandon Mississippi home buying, real estate listings, and homes for sale in Madison County, MS

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Jackson, Madison and Brandon real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Interest Rates >Locking in Loan Rates

It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.

While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.

The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.

Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.

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Q	What famous antebellum mansion was known as the "Queen of Tennessee Plantations"?
A	Belle Meade Plantation was a prosperous 5,400-acre thoroughbred horse farm in the mid 1800's. The Civil War Battle of Nashville was fought in its front yard.
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The DELL Group, REALTORŽ, real estate agents and broker for Jackson, Madison and Brandon Mississippi home listings, property and land for sale - NUMBER1EXPERT(tm)

The DELL Group
Realty Executives
2060 Main Street
Madison, MS, 39110
601-605-6066
601-605-6640
leads@msluxuryhomes.com
Dell Palmer, Broker/Owner After 25 years in Real Estate, Dell is still excited about helping you with your Real Estate needs and has hand picked a team of agents ready to assist you.

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