Getting your mortgage is just one aspect of a home purchase. Hoffman & Hoffman Realty is experienced at assisting both new and experienced buyers alike in all areas of real estate. Call us today at (813) 932-4700 if your needs include a professional REALTOR® ready for the business side of real estate.


Do you wish to finance a new home in Tampa? Hoffman & Hoffman Realty can help.

Feeling lots of anxiety over getting financing for a home purchase? You don't have to be. I've got great connections to various lending companies in Tampa, and they've helped me realize some things that will make the loan application process a snap.

1 – Compose a list of questions about your loan program

If you find that you don't totally comprehend the ins and outs of the various programs, be sure to bring a list of questions. It is often hard to know the distinctions between both fixed and adjustable rate mortgages. I or one of my lenders will be able to assist you with understanding the advantages and disadvantages of each one.

2 – Determine when to lock

Locking in the rate denotes that the lender guarantees the interest rates for the loan – often at the time the loan application is received. By floating the rate, you can lock the rate at any time between the day you apply for the loan and issuance of closing documents. Buyers who prefer to float think interest rates will decline 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 decrease your rate

Generally you can elect to pay additional points to lower the interest rate of your loan. Each point is 1 percent of the mortgage loan and is payable in cash at the time of closing. If you're undecided as to whether or not buying points is the best option for you, click here to use our points calculator.

4 – Compile your paperwork

Obtaining a mortgage loan requires a lot of paperwork, so you should spend some time getting your documents together. Click here to get a feel for typical questions you'll have to answer on a loan app.

Hoffman & Hoffman Realty 6936 W Linebaugh Avenue Suite 101 Tampa, FL 33625
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