Find Out How Much Home You Can Afford!

Know exactly what you can afford before you start searching for a home.

Ready to Buy Your First Home or Next Home?

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Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!

We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.

With rates so low right now, you can get a bigger house for less money. The purchase process isn’t as complicated as you might think. We can get you into your dream home with our fast and easy process.

Your dream home may no longer be a dream. Getting pre-approved.

It’s something every buyer should do. Here’s why:

  • You’ll know what you can afford. Getting pre-approved before you shop is imperative, as it allows you to shop within your price range.
  • It gives you negotiating power. Having a pre-approval always puts you ahead of a buyer who doesn’t. This is a game-changer when you’re in a bidding war with others
  • It makes your offer more relevant. When the seller knows that your information has been reviewed by a mortgage underwriter, it makes everyone involved more confident — and gives your offer more significance.
  • It will help you save, not spend. When you’re in the market for a new home, it’s easy to get caught up in the excitement of making purchases. Having the details on your new home’s interest rate, closing costs and down payment will help you curb your urge to buy outside of your budget.
  • You’ll get the keys faster. Getting pre-approved upfront makes everything else move quicker. You’ll close faster, which means you’ll move in faster!

 

You Can Get Pre-approved Today. Complete our simple mortgage pre-approval letter request

 

Six Things Not To Do When Applying For A Mortgage. 

When lenders review your application, they like to see consistency in your finances:

  1. Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations.
  2. Don’t change or quit your job.
  3. Consult with your mortgage professional before withdrawing, depositing or moving large amounts of money in or out of your bank account.
  4. Do not pay off debt or collections (unless instructed to do so by a mortgage professional).
  5. Avoid using cash for a good-faith deposit – cash is difficult to verify and could result in a closing delay.
  6. Don’t have your credit report pulled too many times – this can hurt your credit score.

 

NOTE: Pre-approval does not guarantee a loan. Borrower is still subject to a full underwriting review.

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Brokers and real estate agents work hand in hand, committed to providing you the best home shopping experience possible. When we partner together, we’re your best advocate. We’re experienced. We know the ins and outs of the industry. And we always have your best interests in mind.

But that’s not all. Though real estate agents love the big picture of helping you find your dream home, they also help take care of the details, too, like:

  • Scheduling your viewing appointments
  • Negotiating price and contracts
  • Navigating legal requirements
  • Accessing homes that aren’t visible to the public
  • Offering tips on neighborhoods, school districts, local attractions and more

Ready for a new address? Let us connect you with a real estate partner today!

  • Fixed-Rate Mortgage
  • Adjustable-Rates Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA & USDA Loans
  • Flexible Terms Available

Get Your Pre-Approval Letter Now!