Buy Your Home Through Us!

 

You get top notch representation when you choose our team for your home purchase. WE stay current on all new trends in home's available, finance rates, insurance pricing and inspections options.  We handle all the details to ensure a smooth and professional experience.  Removing the stress from our clients is our main goal in every transaction. We do that by being clear about the process and your options, in other words, we COMMUNICATE! Setting expectations is the key to success.  We have an initial consultation and establish your "wish list" and work swiftly to target hot properties and get you there to see them.  You will NEVER get a pressure sale pitch from our team. We keep looking until YOU say "I LOVE IT"  Positive experience is contagious, what are you waiting for? The "American dream" is calling you.

How to Pre-Qualify for a Mortgage

Not everyone qualifies for a mortgage and not everyone qualifies for a good mortgage. What exactly is pre-qualifying for a mortgage? Pre-qualification is an assurance by the lender, which they receive in the form of a letter or a certificate, that states the maximum amount of loan you can qualify for. Mortgage companies can pre-qualify you without actually doing any business with you in the future. If you already pre-qualify you can save a lot of money on your mortgage.

Usually you can go online and pre-qualify for a mortgage without paying a fee. You will have to fill out an application that looks like you are applying for the mortgage; this is because they need all the same information in order to pre-qualify you. Pre-qualifying for a mortgage follows the same guidelines as trying to qualify for a mortgage. It will rate your credit score, your debt ratio and your monthly income to figure out how much of a mortgage you can afford. You can find mortgage calculators online that will help you figure out how much of a mortgage you can pay, and these are what companies will use to pre-qualify you for that mortgage.

Once you pre-qualify you can decide to go ahead and apply for the loan you already qualify for. Since you have pre-qualified you will save money in the form of paying a lower interest rate. Pre-qualifying for a mortgage shows companies that you are not a risk and they can better create a mortgage that fits your needs. Pre-qualifying for a mortgage is a good idea if you are in the market to save money on your mortgage.