Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur, California Real Estate Listings & Homes For Sale - Danielle Short

Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur real estate and homes for sale in California - Danielle Short - REALTOR®

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Interest Rates >Locking in Loan Rates

It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.

While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.

The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.

Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.

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Q	What is the fastest-growing state in the U.S.?
A	Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Danielle Short, REALTOR®, real estate agent and broker for Rancho Santa Fe, Santaluz, Carlsbad, Solana Beach, and Del Sur California home listings, property and land for sale - NUMBER1EXPERT(tm)

Danielle Short
Coldwell Banker
6015 Paseo Delicias
P.O. Box 2225
Rancho Santa Fe, CA. 92067
Office: 858-759-6502
Direct: 619-708-1500
Fax: 858-780-9519
Email: DShort@Coldwellbanker.com
Specializing in the Rancho Santa Fe, Santaluz, Del Sur and North County Coastal communities, Danielle works with clients from all over the world. Danielle has over 25 years of sales and marketing experience, consistently winning national awards for her exemplary performance. A Top Producer, member of Coldwell Banker’s President’s Elite division and positioned within the top 1% in the nation, Danielle has the experience, skill, and confidence to assist homebuyers and sellers at all levels. Located in the prestigious village of Rancho Santa Fe, Danielle is a "Previews" Property Specialist, trained in marketing and selling high-end luxury homes. As a licensed Cendant Mobility Relocation Specialist, Danielle is an expert with Relocation Services, moving families with professionalism and on-going communication. With a competent real estate team working with Danielle they enable her to devote more time to her clients, providing them with the utmost in expert, thorough and efficient service. Danielle sums up her relationship to her work with this, “I love my Real Estate career! My clients are a joy to work with, and I enthusiastically put my heart and efforts into helping them achieve their Real Estate needs”.

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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from a Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur, California NUMBER1EXPERT(S) Top Selling real estate agent(s). Contact Danielle Short today!
Find Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur Homes - Find Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur, California real estate listings & homes for sale provided by Danielle Short, your local expert real estate agent(s).
For Home Buyers - Get home buying information, the latest listings, mortgage information, expert advice, and much more from Danielle Short, a Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur, California NUMBER1EXPERT(S) Top Selling real estate agent(s).
For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Danielle Short, Rancho Santa Fe, Santaluz, Del Mar, Solana Beach, Encinitas, Carlsbad and Del Sur, California NUMBER1EXPERT(S) Top Selling real estate agent(s).
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