Watch Chad and Jaclyn to learn more.
From the February KNWA interview with Chad Hartsfield and Jaclyn House
No Headphones. No Problem. See below for transcript.
Now mortgage rates have fallen to their
lowest level since 2016 uncertainties
about the global economy is happening as
well okay so that can definitely impact
how you want to buy a home or if you
even want to but now it'd be the perfect
time to buy a new home in luck in a new rate
andhere to go over the checklist of things
that you need to know on how you can
take advantage of these historically low
rates HF Hartzell from branch manager at
rock mortgage hey chat must have day to
talk to you Jackie appreciate you bringing me
back in always glad to talk to you even though
I'm a homeowner already it's just good
to kind of have these conversations in
case we move or just just so we know
exactly staying on the market about
these low rates so rates are the lowest
point they've been since late 2016
okay and what's nice is the last three
weeks rates have trickled down so now
they're below three and a half percent
so it's best we've seen for a refinance
or purchase so we're expecting a big
spring and summer buying season for sure
now if folks want to act on the low
rates how can they do that so first of
all I would say be prepared get you a
mortgage checklist okay
what's nice and go online go to our
website and download that or if they
apply online there's a refinance or a
purchase button you click that and put
any information so let's say your w-2
employee and as you put that in it'll
tell you please upload your w-2 so it
gives a checklist for you as you go
through the process okay
so what's kind of like the second step
and purchasing a home second step is go
back to what we talked about before
get pre-qualified all right yeah know
what payment you're comfortable with
what downpayment you're comfortable with
and what home loan that you fit into so
say France does that make sure in buying
a house and I say okay maybe I want to
spend $1,200 for my mortgage each month
but I get pre-qualified once I get
pre-qualified for more than what I think
I can pay should I just go for that like
if I say okay you're pre-qualified but
that means your mortgage will be $1,500
do I do it I know we'd like to
prequalify you for and let you know what
your top level is okay
do not have to go there go with
something that's comfortable perfect
example we've got a veteran closing on
loan he qualifies for 0% down for VA but
John said I'm not comfortable with that
pal and he said Kyle put some more money
down to bring that down lower I said you
could do that or go find a different
home so so he actually ended up finding
a different home in Missouri and so we
get him qualified for that and got the
payment he wanted so yeah great question
yes we've got a checklist for you guys
at home to take a look at especially if
you are in the home buying process or
just thinking about the home buying
process on things that you should do
Chad how can people at home reach you
guys at Rock mortgage I then go to our
website to Rock mortgage lending comm or
give us a call and we can email that
checklist to them if they would like and
so what it does it just lines them up
takes the stress away they know what's
coming and they build on from there
awesome and we'll have all that
information on our website as well as
the graphic that you just saw which is a
very useful checklist for you at home
as you know navigating my process which
can kind of be tricky which is why we've
got you.
