Shopping rates? Read further and learn how you, can help us, help you lock in low rates.

As A Home Asset Advisory Firm^TM  we want you as a life long client and we understand your goal in wanting to get the lowest rate possible. Yet to do so we need your help. 

Shopping for the best rates is often the first step in obtaining a loan and wisely you seek out mortgage companies who can not only offer the lowest rate to cost ratio, yet can also make the process a stress free and seamless event. What you may not realize is that you could be your own worst enemy in not obtaining the best rates. How many times have you heard or even said "When the rate hits (your rate here) lock."  Rates can change multiple times a day. When the rate does hit your mark there is nothing we can do because the application process hasn't begun. Knowing this we have developed a plan to position you to lock in rates that meet both your payment and equity objectives. The best part there are no upfront fees.

1. The most important step is to contact us at 866-752-5322 or 512-326-2186. We will discuss the financing of your home and the best approach to obtain the rate that meets your needs or,

2. Complete the secure online application (we will not request credit without a verbal approval from you). You may do this prior to contacting us or we'll complete it during our conversation.

3. Once we have the application we will then create your loan packet, forward to you for review, simply sign and return. Rest assured signing and returning the documents does not constitute a contract for the financing for which you are applying.

It does however, allow for a pre-approval, which simplifies the entire process and puts you in the best position of strength for obtaining and locking your rate.

If you are obtaining a home equity/Texas Cash Out it begins the clock on the 12 day rule. It's as easy as 1 - 2 - 3 LOCK!

- Now a Thought on Locking Rates and the Hope Factor -

Everyone wants to lock in low rates and when rates drop human nature takes over and one "hopes" rates will go lower. However when making the decision to lock a rate ask yourself "Does the rate meet my payment objective?" If so then lock, it really is that simple. When the decision to lock has been made there are three possible outcomes;

1. Rates drop - ok, not good

2. Rates remain the same - No worries 

3. Rates go up - Lucky me I locked!

Like Meatloaf says "Two out of three ain't bad"

No pressure, no obligation, no upfront fees, just a conversation, So why not call? 866-752-5322 or 512-326-2186.