Loan Services - Brad Hatton

Introduction
NEW for 2010 The Brad Hatton Team is proud to announce we will be providing loan consulting services to all of our existing and new clients.  To start 2010 on the right foot we have recently brought on an experienced professional from the lending world to process loans for our clients exclusively.
Purchasing a home is more challenging than ever now with constantly changing guidelines and requirements.  By providing lending services directly to our clients we can offer the services that take advantage of recent changes to lending requirements.

What Services Do We Offer? 

Prequalification
The first step in the loan process for any client is prequalification.  During this initial stage, we will work with the buyer to collect financial data, complete the required forms and submit paperwork for pre-approval.  Prequalification is not only a necessary step to purchasing a home, it is a clear indicator of buyer motivation.  
  

Purchase Loans
The most important decision many families will make is the purchase of their first home.  With home prices and interest rates at historical lows the market is attracting buyers from around the globe.  We help clients choose between a variety of available loan programs to find one that fits their needs and plans for the future.

Refinance
Our office provides refinance services to eligible clients.  There are specific risks and benefits to refinancing your home loan. Call our office so we can discuss your situation in detail.

Rates
Interest rates fluctuate on a daily basis.  Many borrowers get caught up in following daily rate fluctuations; so much so they lose sight of the big picture. Look at the chart below to see how rates have changed over the years.  Interest rates have declined steadily since 1980 and continue to stay in the low 5’s. Though a higher interest rate can mean higher mortgage payments; many buyers overlook the opportunity cost of buying the home with a lower rate at a higher price.  

All lenders have access to similar loan programs and rates. The key is to work with a professional that you know and trust and who can guide you through your purchase and answer questions along the way. 

How Do I Get Started?
Simply click on the “Contact Me” page on the lower left section on this website, fill in your information and click “send request” at the bottom of the page. We will respond to your request within 24 business hours.

Questions?

  (510) 494-2120

 
  bhatton@signlanguagerealestateagent.com

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