Should you call me before house hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see me first!

When I pre-approve you, I help you determine how much of a monthly mortgage payment you can afford, and how much I can loan you. I do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It's short and to the point, and I keep the paperwork to a minimum!

Once you qualify, I will give you what's called a Pre-Approval Letter which says that I am working with you and you are approved on a loan to purchase a home up to a certain dollar amount. This puts you in the driver's seat!

When you find a house that catches your eye, and you decide to make an offer, being pre-approved for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-approved gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-approved is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on my site to get an idea of how much mortgage you can afford -- but it's important to meet with me. For one thing, you'll need a Pre-Approval Letter! For another thing, I may be able to find a different mortgage program that fits your needs better. Start by contacting me today!

Click here to apply today!

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