33 years of
REFINED EXPERIENCE
We have the know-how you need. We’ve been representing buyers and sellers for over thirty three years. Our devoted team of agents offers individualized attention, personalized service, and tailor-made marketing.
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Things First
ST
1
Obtaining a preapproval for a mortgage is a crucial initial step in your home buying journey. It enables you to determine your affordability and be prepared to make an offer when you find the home. We invite you to contact us today to initiate the process.
Things you need to get started
Checklist
BANK RECORDS
2 months current bank and asset account statements including all pages (no screen prints)
TAX FORMS
Last 2 years W2s and 1040s including all schedules
PAY STUBS
Past 30 days computerized pay stubs, to include year-to-date earnings
SELF-EMPLOYED
If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
There are so many options in todays marketplace when it comes to mortgages!
"Know the Difference"
It's Important
How do I choose a lender ?
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Which mortgage is best for me ?
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How do I get the lowest interest rate?
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How do I apply?
Banks VS. Mortgage Companies
Its critical to the process that you have all the information before making a decision.
Lets talk about the differences! Your traditional banking institution where your personal and business accounts might be, may not be your best option for a mortgage! When we sit down I will go over how important it is to choose the right lender and why. I will also explain, as I see it, the pitfalls and risks of using online or out of state lenders!
BANKS
The majority of buyers turn to banks when it comes time to get a mortgage. They seem to be the most obvious choice, mostly because they are local in nature and are typically customer’s primary banking institution. This is not always the case and commercial banks are known to be conservative and offer fewer products than your average mortgage broker.
MORTGAGE COMPANIES
Mortgage brokers have far more access to loan products and types of loans than a commercial bank, whether it’s FHA loans, VA loans, jumbo loans, a USDA loan, or simply a borrower with bad credit. Thankfully in todays market, mortgage companies are beginning to offer portfolio loans again.
Which mortgage product is best for me and how do I qualify?
This one is easier than it looks. Many buyers are surprised just to find out how many options they have! At our first meeting I will briefly go over some of the details such as the types of mortgage loans available, who pays closing costs, the appraisal process etc.
Once you have a basic understanding I will help you narrow down the choices and you will know which direction is going to be best for you!
Call us now and we will get you in the best position to purchase your next home