Mortgage 申请应该提前多长时间进行

[wy2014]

房子明年夏天closing，有的银行说提前几个月找他们就可以。有的说现在就可以申请，批准后可以有效的明年。那个说法对？

 

[shimh]

如果你觉得利率要涨，现在要一个9个月一年的mortgange，但利率肯定比短期的高。这个做backup用。快到closing的时候（如90天），再弄个低的如果利率没升上去的话。

 

[Jing19]

Agree with the second floor. I always suggest clients to secure a one year builder mortgage interest rate once they signed the purchase agreement. When it's 120 days and 90 days before closing of the new home, your mortgage specialist should let you know if the special mortgage rate is higher or lower than your secured builder rate. If higher, then there's no point to change again. If lower, you can get a reduced interest rate. This is the best practice for all my clients. Hope this helps

Ginger Wang
6138520175 (phone & wechat)