Let us guide you through what factors affect mortgage rates.
When most people are considering purchasing a home, one of the things they focus on is what mortgage rates are like at that time. At Harbor Mortgage Company, we want you to know that, while mortgage rates are an important factor, the terms of the mortgage can be even more critical to understand. We look at the process from all perspectives, so you do not get a surprise down the road that you didn’t anticipate.
Clearly, mortgage rates affect your payment. That is why so many people end up refinancing when the current rate is significantly lower than when they first obtained their mortgage. Right now, we are looking at historically low mortgage rates, so it is a good time to purchase a home or refinance an existing mortgage. Another situation where you might want to refinance is if you have a higher interest rate due to a low credit score when you obtained the mortgage but have significantly improved it since then and could qualify for a lower rate now.
A stand-out company!
“Harbor Mortgage Company is a stand-out company! They helped me through the entire purchasing processes and made me feel at ease on purchasing my first home! Thanks to the Harbor Mortgage Company team and all you guys do!”
★★★★★ Whitney H.
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Services We Offer
MORTGAGE LOANS
Turn to us to better understand the world of mortgage loans.
LOANS
We offer a level of expertise that is rare even in the mortgage lending industry.
MORTGAGE RATES
We can help you find the best mortgage rates and terms for your situation.
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We make mortgages simple and hassle-free!
Whether you are in need of guidance to obtain a mortgage for the purchase of your primary home, vacation home, or investment property, or you would like to investigate a refinance mortgage to lower your monthly payment, don’t hesitate to reach out to us. We are happy to walk you through what factors affect mortgage rates and what you might be able to do to qualify for a lower rate. We’ll also ensure you understand the other terms that can be even more important than the mortgage rate. Contact us today to schedule a consultation at our Savannah, Georgia office.
FAQs About Mortgage Rates
If you need a mortgage, one of the things you may want to know about is what kind of mortgage rate you can get. Below, we’ve answered some common questions we receive about mortgage rates along with their answers.
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How can I get the best mortgage rate?
When you apply for a home loan, you can get a better mortgage rate by increasing your down payment and improving your credit score. Shopping around for the best possible mortgage through a broker also helps.
Will my mortgage rate change?
If you secure a fixed-rate mortgage, your mortgage rate will not change throughout the duration of your loan. However, if you go with another type of mortgage, your mortgage rate may be variable and adjust based on market conditions.
When should I refinance?
Whether or not you refinance is entirely up to you. However, many people prefer to refinance when mortgage rates drop, so they can pay less overall on their home loan.
What makes your mortgage company different?
Our mortgage company is committed to helping you get the best possible deal on your mortgage. We’re also known for our great customer service, and we will happily answer any questions you have about the lending process.
How do I apply for a new mortgage?
Start by filling out our loan application. If you have any questions along the way, our mortgage experts are here to provide further information.
At Harbor Mortgage Company, we offer great mortgage rates to those in Savannah, Bloomingdale, Fort Stewart, Garden City, Georgetown, Hinesville, Pooler, Port Wentworth, and Richmond Hill, Georgia, as well as Bedford, Carrollton, Colleyville, Coppell, Flower Mound, Grapevine, and South Lake, Texas.
Why Choose Harbor Mortgage Company?
Our mortgage specialists understand that the mortgage you receive doesn’t just make today’s dreams come true. Your mortgage is something that will affect your future for many years to come. Not getting the best mortgage rate or terms can have far-reaching consequences, so we’ll work diligently to help you make the best choices for today and your future.
See what some of our customers have said about our mortgage loans and other services.
Contact us today to schedule a 15-minute phone consultation.
We Can Help You Prepare for Getting a Mortgage
