Securing financing is just one part of a real estate transaction. SecurCapital Real Estate, LLC is experienced at aiding new and experienced in all areas of real estate. Call us today at (727) 543-0054 if your needs include a real estate pro experienced at the business side of buying and selling.


Are you thinking about financing a new home? SecurCapital Real Estate, LLC can help.

Securing the loan is one of the most stressful elements of buying a house. But it doesn't have to be. Being close with a lot of lending companies in Clearwater has helped me understand a few things that can make the loan application process a breeze.

1 – Create a list of questions about your loan program

If you don't perfectly realize the pros and cons of the various financing options, be sure you bring a list of questions. I or one of my trusted lenders can assist you with understanding the advantages and disadvantages of each one, because it is hard to understand the characteristics of both fixed and adjustable rate mortgages.

2 – Determine when you want to lock

By locking in the rate, the lender is holding to the mortgage interest rates for the loan – typically at the time the loan application is presented. By floating the rate, you can lock the rate anytime between the day you apply for your loan and closing. Those who decide to float conclude that interest rates will plunge in the near future. Click here to see the outlook for the next 90 days of interest rates.

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

When you decide to pay additional points to lower the rate of your loan, you'll do so by paying for them in cash at closing. Each point is 1 percent of the loan. If you're unsure as to whether or not purchasing points is the best option for you, click here to use our points calculator.

4 – Gather your paperwork

Acquiring a loan requires lots of paperwork, so you should spend some time getting all your documentation together. Click here to get a feel for common questions you'll have to answer on a loan app.

SecurCapital Real Estate, LLC 13575 58th St. North Suite 110 Clearwater, FL 33760
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