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Financial Questions


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.


Getting Pre-qualified

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 Pre-Qualified

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 your money.

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.

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Shopping 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?

Is the company well known in the area? How long has the company been in the business?

Does the lender have access to a wide variety of loan packages?

Can the interest rates be locked in and for how long?
What not to do when shopping for your lender. . .
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.

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More Financial Questions Answered

-personable and willing to go out of his way. He was knowledgeable in all aspects of moving and relocating. No weaknesses. We were contacted immediately once the EXODUS Network was given our name. We could begin our search immediately.
Charlene and Henry Brueggeman,

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