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Questions to Ask When Shopping for a Loan

  • Is the loan fixed or adjustable?
  • If the loan is fixed, what is the fixed-rate period?
  • If the loan is adjustable, what is the fully indexed rate, the index and the margin? (Index + Margin = Fully Indexed Rate)
  • If the loan is a fixed-rate loan, what is the interest rate?
  • What will my monthly loan payments be?
  • Will I be required to have mortgage insurance with this loan?
  • Does the loan have an interest-only payment option?
  • Does the loan have a pre-payment charge?
  • What are the closing costs?
  • Are there any points or is there an origination fee?
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