Securing financing is just one aspect of a home purchase. HG Johnson Real Estate is experienced at helping both new and experienced buyers alike in all areas of real estate. Call us today at 6033525533 if your needs include a professional REALTOR® experienced at the business side of real estate.


Let HG Johnson Real Estate assist you in applying for your home loan.

Feeling lots of anxiety over applying for a mortgage? You don't have to be. Having connections to a lot of lending companies in Swanzey has helped me learn a few things that make the loan application process very manageable.

1 – Assemble a list of questions about your loan program

Make sure to bring a list of questions with you if you don't totally grasp the ins and outs of the various programs. It is often a challenge to know the distinctions between fixed and adjustable rate mortgages. I or one of my trusted lenders will be able to help you understand the advantages and disadvantages of each program.

2 – Decide when you want to lock

When you lock in a rate, it signifies that the mortgage lender commits to the mortgage interest rates for the loan – most often at the time the loan application is sent in. By floating the rate, you can lock the rate at any time between the day you apply for your loan and issuance of closing documents. Those who decide to float presume that the interest rates will plunge in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Decide if you want to pay additional points to lower your interest rate

If you elect to pay additional points to lower the interest rate of your mortgage loan, you'll pay for them in cash at closing. Every point is 1 percent of the mortgage loan. Click here to use our points calculator. It will assist you in determining if purchasing points is the best option for you.

4 – Gather your paperwork

Getting a mortgage loan requires lots of paperwork, so you should take some time to get your documents together. Click here to get a feel for general questions you'll have to answer on a loan app.

H.G. Johnson Real Estate

Commercial & Investment  Brokerage

              New Hampshire, Massachusetts & Florida           

New England: (603) 352-5533 Tampa: (813) 545-4810 Email: greg@hgjohnson.com Fax: (603) 352-9177


HG Johnson Real Estate PO Box 10234 Swanzey, NH 03446-0234
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