Columbia, Ellicott City and Clarksville real estate and homes for sale in Maryland - Ana Lucia Porter, REALTOR® Ana Lucia Porter REALTOR(r) for Columbia, Ellicott City and Clarksville, Maryland real estate - NUMBER1EXPERT™ Ana Lucia Porter NUMBER1EXPERT(tm) for Columbia, Ellicott City and Clarksville, Maryland real estate
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Ana Lucia Porter, REALTOR®, real estate agents and broker for Columbia, Ellicott City and Clarksville Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)




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Real Estate Tips
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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Real Estate Trivia
Q 
What home product makes lawn mowing easier than ever?

A 
The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself.
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Ana Lucia Porter, REALTOR®, real estate agents and broker for Columbia, Ellicott City and Clarksville Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Ana Lucia Porter
RE/MAX 100

11000 Brokenland Parkway, #200
Columbia
MD, 21044
Office: 410-730-6100
Blackberry - Cell: 443-286-2137
Toll Free : 877-715-3255
Fax: 410-740-8258
Email: maryland-real-estate@NUMBER1EXPERT.com
Direct email: marylandhomes@mindspring.com

Ana Lucia Porter is a highly effective REALTOR who brings 29 years of full-time real estate sales and marketing experience to help you achieve your goals. Ana Lucia holds the designation of Graduate of the Realtors Institute and the Certified Residential Specialist (CRS) In her own words: "I strive to use the most modern technology to help achieve the goals of my clients while always remembering that the human side of a residential real estate transaction is the most important."

Equal Housing CRS GRI REALTOR MLS


RE/MAX Columbia, Ellicott City and Clarksville real estate and homes for sale in Columbia, Ellicott City and Clarksville Maryland

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