Choosing a Lender

What to ask for the answers you need to know

  • What are the terms you recommend for my loan?What percentage down?
    What length term? (15 or 30 years eg.)
    Fixed or adjustable rate?
    What rate do I qualify for?
    When will you be able to tell me that?
  • Can I prepay all or in part with no fee?
  • Will there be a second loan? (same questions as above)
  • Will I have to pay PMI?
  • Why are you recommending this for me and what other alternatives did you consider and dismiss?
  • What is the highest the rates could go without my being no longer qualified for this loan?
  • How long do you need to get a commitment once I enter into an agreement to buy a home?
  • How long will that commitment be good for?
  • Can I “buy” the right not to escrow taxes and insurance?
  • Can I use money from my Roth IRA towards the purchase?
  • Do you charge anything to lock the rate?
  • What do I have to do to lock? Is an email ok?
  • How long is the rate lock good for?
  • Can I opt to “float’ the rate down if rates decline after I lock?
  • Can I do that right before the closing, or is there a cut-off date?
  • If there are 2 of us, can we have just the one with good credit on the loan?
  • Can we both own the house in that event?
  • Will the non-borrowing party have to sign away ownership rights?
  • Do you provide the new Closing Disclosure and explain which charges can change?
  • Have you seen any appraisal issues lately and how have you handled them?
  • Do you come to the closing?

 

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“Sage Realty not only helped me find my new home, they put me in touch with the right mortgage company to get me qualified at a great rate. You will always be a top priority at Sage.”

– R. Kelley, Ardmore, PA

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HAPPY BUYERS!
Great house, great price.
$1,325,000
2 Paul Road
Wayne, PA 19087
MLS# 6868853

 

For more information contact Sage

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Hear From Our Clients

  • "We were so pleased that a co-worker recommended someone in the area that she trusted. Boy, did we strike gold on all counts. You are amazing!"
  • "Instead of trying to take advantage of conflicts of interest, she puts the client's interests first."
  • "Linda is a hardworking, proactive and knowledgeable realtor. Throughout the process of finding and buying our new home, she was always responsive and kept us up to date on every detail."
  • "Linda and the group at Sage are the right fit. You won’t find more knowledgeable, prepared and professional agents."
  • "Linda and Tracey really know the Main Line area."
  • "Throughout the entire process we never doubted that she always had our best interests in mind. We wouldn’t consider anyone else when buying a home on the Main Line."
  • "From start to finish, Linda brought to bear a most helpful combination of experience, knowledge, attention and integrity on a somewhat complicated transaction. There was never any doubt that she represented our interests."
  • "Her knowledge of the area helped us quickly narrow our search and ultimately scored us an amazing home in an incredible neighborhood."
  • "It is hard to trust when you are not sure of the rules of the game. Working with Linda made us feel like we were family. Linda took her time to relay and explain everything in detail."
  • "Linda’s honesty and real estate savviness made for a wonderful home buying experience!"

Read more about what our clients have to say

Hear from our Clients

  • "We were so pleased that a co-worker recommended someone in the area that she trusted. Boy, did we strike gold on all counts. You are amazing!"
  • "Instead of trying to take advantage of conflicts of interest, she puts the client's interests first."
  • "Linda is a hardworking, proactive and knowledgeable realtor. Throughout the process of finding and buying our new home, she was always responsive and kept us up to date on every detail."
  • "Linda and the group at Sage are the right fit. You won’t find more knowledgeable, prepared and professional agents."
  • "Linda and Tracey really know the Main Line area."
  • "Throughout the entire process we never doubted that she always had our best interests in mind. We wouldn’t consider anyone else when buying a home on the Main Line."
  • "From start to finish, Linda brought to bear a most helpful combination of experience, knowledge, attention and integrity on a somewhat complicated transaction. There was never any doubt that she represented our interests."
  • "Her knowledge of the area helped us quickly narrow our search and ultimately scored us an amazing home in an incredible neighborhood."
  • "It is hard to trust when you are not sure of the rules of the game. Working with Linda made us feel like we were family. Linda took her time to relay and explain everything in detail."
  • "Linda’s honesty and real estate savviness made for a wonderful home buying experience!"

Read more about what our clients have to say

Sage Buyer Tips

Use Sage Buyer Tips to research the Main Line and stay up to date on real estate news. This online destination is chock full of resources for buyers and sellers: you can see our Main Line communities or explore Sage favorite places. Browse properties here and search other Main Line real estate. With Sage’s advice and experience, first-time buyers and those looking to upgrade can find homes best suited to their needs.