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Howard Hanna Professionals

Olean Office:
410 Wayne Street
Olean, NY 14760
Phone: (716) 372-1155
Fax: (716) 372-7057

Bradford Office:
30 Bolivar Drive
Bradford, PA 16701
Phone: (814) 362-7450
Fax: (814) 362-7451
Bradford Area Website

Smethport Office
104 Forest Ave
Smethport, PA 16749
Phone: (814) 887-7772
Fax: (814) 887-5560

Kane Office
30 Fraley Street
Kane, PA 16735
Phone: (814) 837-8540
Fax: (814) 837-8455

Email: dennispezzimenti@howardhanna.com

Find out More about our 100% Money Back Guarantee
Buy or Sell with Confidence

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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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Howard Hanna Professionals
Howard Hanna Professionals 410 Wayne Street
Olean, NY 14760
Phone: (716) 372-1155
Fax: (716) 372-7057
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