Understanding the financial process and being sure you will qualify for a loan are critical to a successful stress free move. Be sure to spend time with our extensive mortgage information.
Most experts recommend that you get pre-qualified with a lender before beginning to select a home
to purchase. This way you will have the best information about the right
price range for your budget.
Reasons to Get
With pre-qualification, you can determine which loan program best fits
your need and which programs you qualify for.
You will know exactly how much you are qualified for. It's no fun to
find your ideal home and then find out you can't afford it.
Your monthly payment can be set. This will allow you to budget your
money before making this large investment.
You may be able to see what the down payment and closing costs will be.
If you are a first-time buyer, you may be able to qualify for a special
first-time buyer program which may allow you to afford more home for
If you feel you would like an can afford a higher mortgage payment but
are not able to meet qualifications, co-mortgage financing may be made
available to you.
for a Lender
A very important part of
purchasing a home is finding the right lender. Listed below are some
characteristics you should look for when choosing a lender.
Questions to ask while shopping for your lender . . .
What is his/her reputation within
the community? How many loans do they close each year?
What not to do when shopping for
your lender. . .
Is the company well known in the area? How long has the company been in
Does the lender have access to a wide variety of loan packages?
Can the interest rates be locked in and for how long?
DO NOT call around asking for
interest rate quotes and expect that rate to be valid!
Quoted rates over the phone are rarely locked prices. This is one way
the lender gets you to come to his office. Rates can be subject to
changes unless they are predetermined for a specific period of time.
Interest rates can change daily. A quote you get today may not be
available at the same price tomorrow.
The interest rate you are quoted over the phone may not be a program
that will fit your needs or situation.
More Financial Questions Answered
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