New Hampshire Mortgage Brokers
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Questions a Borrower should ask:
- Who is the lender?
- What is the interest rate and term of the loan?
- What is the monthly payment for principal and interest?
- How much are the property taxes and insurance?
- What is the annual percentage rate?
- What are points?
- How many points am I paying?
- Is the interest rate fixed or adjustable?
- If it is adjustable, when do my payments change? Is there a limit on how much the interest rate can be increased?
- Is there a prepayment penalty?
- Is there a balloon payment? When is it due and how much is the payment?
- Are there any “up front” fees to pay?
- If I have to pay “up front” fees, are they refundable?
- How long does loan approval take?
- When will the loan close and how much money must I have at closing?
- If I have a rate “locked in,” is it in writing?
- What happens if interest rates change during the loan process?
- If the loan does not go through, is there a cancellation charge?
- Is the loan assumable by someone later? Is there a fee?
- Please explain the loan and escrow process in general.
