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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team

When Halloween is over: November officially starts the holiday season. What a better gift for the holidays than a new home? Here are some things to keep in mind as you embark on this process during the holiday season:

Be mindful of Your Holiday Spending: Now may not be the time to give that new car or 90-inch flat screen TV for a gift. Make responsible purchases. Don’t let poor budgeting result in losing your dream home.

Be in the Know: Know your credit score, which can affect your interest rate-both of which are key when shopping for a home loan. Avoid financing major purchases. Lenders may request a last-minute credit check before the loan closing to ensure that no new debt has been incurred. Be sure to work with a knowledgeable and reputable lender who can make the process more efficient.

Scoop up a Deal: Year-end may be a smart time to buy! Sellers don’t typically look to sell during the holiday season due to the wintery weather and busy time of year. A seller who is actively seeking to sell during the holidays may be willing to aggressively negotiate on price. Demand tends to decrease during the holidays, so there can be less competition from other buyers. Take advantage and negotiate a better price.

Holiday Hours: Certain government agencies may be closed during the holidays, so work with your Loan Officer to ensure that deadlines are met. The loan process and paperwork can be overwhelming, make sure your lender keeps you informed so there are no last minute surprises.

Let Academy help you navigate the process: Call Frank at:303-912-2850, Jan at 720-634-2409, or Mitch at 720-634-2410.

Applying for a Home Loan during the Holidays

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The Giuliano Team at Academy Mortgage Corporation