FAQ

MORTGAGE DICTIONARY

HOMEBUYER'S GUIDE

REFINANCE GUIDE

• STEP ONE
• STEP TWO
• STEP THREE
• STEP FOUR

HOMEPATH AND HOMESTYLE LOANS

• Homebuyer's Guide
• Refinance Guide
• Things To Consider Before Buying A Home
• Dos & Don'ts Before Closing A Loan
• What To Expect At Closing
• Moving Checklist

You need Real Estate & mortgage professional you can trust. You need a company that values honesty and integrity throughout the entire organization. You need top planning specialists who give you their best consistently. You need to find strength, stability and opportunity—especially now. You need New Century Realty & Lending!

When dealing with your real estate home financing, we are not only working with one of your largest personal financial investments; we also are handling one of your biggest dreams. Since we work with matters so close to the heart, we serve you from ours.

New Century Realty & Lending can meet you where you are and help you where you are going. Let us provide you a professional service without obstacles.

As your closing date approaches, you’ll want to be sure to stay in good contact with your Loan Officer. Although you’ve purchased a house and gone through the closing process before, you want to make sure the refinance process goes smoothly as well. Being aware and prepared will always pay off in the end.

• Documents:Verify that you have the documentation needed to move forward into closing.
• Credit:Review your credit history. To make sure you have good credit standing, refresh yourself on how your credit score is derived and also ways to keep your credit clean.
• Insurance:Confirm that your insurance policies provide appropriate coverage for your home's value and contents. Also double check that the policy reflects the name of your refinance lender as the payee for losses.
• Rate:Consult with your New Century Realty & Lending Loan Officer about locking in your interest rate before you close. Landing on a rate before you close will provide protection for you if rates should rise before your closing date.
• Escrow:Examine your current loan's escrow account and determine if a surplus or deficiency of funds exists.
• Closing Costs:Arrange to bring to your closing appointment a cashiers' check made out with the exact amount you'll need.