Securing financing is just one part of a home purchase. All agents at Downing-Frye Realty, Inc. are experienced at aiding both new and experienced buyers alike in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of buying and selling.

Are you financing your home in Southwest Florida? Downing-Frye Realty, Inc. can help.

Stressed out about getting financing for a home purchase? You don’t have to be. We’ve got great connections to several lending companies in Naples, and they’ve helped us realize some things that will make the process of applying for a loan a snap.

Organize a list of questions regarding your loan program

If you find that you do not completely understand the pros and cons of the different financing options, make sure to have a list of questions with you. It is hard to know the differences between fixed and adjustable rate mortgages. One of our lenders or us will assist you with understanding the advantages and disadvantages of each one.

Determine when to lock

By locking in an interest rate, your mortgage lender is keeping to the interest rates for the loan – normally at the time the loan application is submitted. By floating the rate, you can lock the rate anytime between application and closing. Those who opt to float think that the interest rates will plunge in the near future. Click here to see the outlook for the next 90 days of interest rates.

Determine if you want to pay additional points to decrease your interest rate

If you opt to pay additional points to lower the interest rate of your mortgage loan, you’ll pay for them in cash at closing. Each point is 1 percent of the mortgage loan. If you’re unsure if buying points is right for you, click here to use our points calculator.

Gather your paperwork

Obtaining a mortgage loan requires lots of paperwork, so you should spend some time getting your documentation together. Click here to preview common information that goes on a loan application.

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Our Locations

Naples Office

180 Ninth Street South
Naples, Florida 34102
(800) 448-3411
(239) 261-2244

Bonita Office

23421 Walden Center Drive
Bonita Springs, Florida 34134
(888) 777-1193
(239) 992-8711

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The data relating to real estate for sale displayed on this Website comes in part from the Broker Reciprocity Program (BR Program) of M.L.S. of Naples, Inc., under License No.NPLSMLS-100409. Properties listed with brokerage firms other than Downing-Frye Realty, LLC. are marked with the "BR House" logo. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the M.L.S. of Naples, Inc. BR Program, or contained in the database compilation of the M.L.S. of Naples, Inc. Some properties that appear for sale on this limited electronic display may no longer be available. For the most current information, contact Downing-Frye Realty, LLC at (239) 261-2244