When do I apply for a mortgage loan?

When do I apply for a mortgage loan?

Ron Goodlin (Mortgage Banker and Broker, The Goodlin Group) gives expert video advice on: When do I apply for a mortgage loan?; Who can help me apply for a mortgage loan?; What is collateral? and more...

The issue of when to apply for a mortgage loan is two-fold. One is if you're looking to purchase a home; usually about 3 days before you start to go out and look for that new home you want to purchase. Two is if it's a refinance, at any point in time, when you feel that you might be able to get yourself a better rate if the rates are lower at that period of time.