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Seagroves Realty

Seagroves Realty

  • Sellers
    • Free Home Valuation
    • Ready, Set, Sell: Checklist for Home Sellers
    • Make It Sparkle: Eight Tips for Adding Instant Curb Appeal
    • Understanding Property Appreciation
    • Home Comparison Checklist
  • Buyers
    • 9 Essential Steps to Buying a Home
    • Escrow: Closing the Sale
    • Closing Costs You Should Expect
    • Home Comparison Checklist
    • Buying Your First Home
    • Relocating? Seagroves will be Your Guide
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Home Loans

Securing financing is just one part of a real estate transaction. Seagroves Realty is seasoned at assisting new and experienced in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of real estate.

Applying for a home loan in Durham with the help of Seagroves Realty

When buying a home, the mortgage loan application is very demanding for many people, but it doesn’t have to be. I’ve got great connections to several lending companies in the Durham area, and they’ve helped me realize some things that will make the loan application process a snap.

UNDERSTANDING YOUR CREDIT SCORE
LOAN APPLICATION CHECKLIST

1 – Compose a list of questions regarding your loan program

If you find that you don’t completely understand the pros and cons of all the various loan programs, be sure to bring a list of questions. One of my lenders or I will be able to help you understand the advantages and disadvantages of each one because it is hard to know the distinctions between both fixed and adjustable-rate mortgages.

2 – Determine when you want to lock

When you lock in a rate, it designates that your mortgage lender commits to the mortgage interest rates for the loan – usually at the time the loan application is received. By floating the rate, you can lock the rate at any time between the loan application day and the issuance of closing documents. Those who opt to float believe that interest rates will drop in the near future. Click here to see the outlook for the next 90 days of interest rates.

3 – Gather your paperwork

Acquiring a mortgage loan requires a lot of paperwork, so you should take some time to get all your documents together. Click here to preview common questions you’ll have to answer on a loan app.

Mortgage & Other Financial Calculators

If you are looking to see how much you might be able to borrow and how the costs break down, here is a link to financial calculators that can help:

Trusted Lenders

By no means a definitive list of qualified and reputable lenders, here are the lenders Seagroves Realty know and trust the most.

Rick Morgan

Mortgage Banker

NMLS#512240

919-219-4913

Email Rick

Mitch Ludwig

Senior Consultant

NMLS#71184

910-231-8044

Email Mitch

Audra Ange

Branch Manager

NMLS#94797

919-491-8369

Email Audra

Anne Watson

VP & Sr. Loan Officer

NMLS#659136

919-624-2461

Email Anne

Bryan Parker

Area Manager

NMLS#448597

919-880-4226

Email Bryan

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Where to Reach Us

1423 Broad St. Durham, NC 27705

 (919) 317-1115
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SEAGROVES REALTY LOCAL AGENTS

We’re focused on providing you with the most personal attention and the best service available. Call us for assistance with buying or selling a home in Durham, Chapel Hill, Hillsborough, and the surrounding area that makes up the Research Triangle.

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