A number of factors will determine the price range of homes you'll want to preview. The primary factors will be determined through the loan pre-qualification process.

As your Realtor, we will assist you through the entire loan pre-qualification. Items considered when pre-qualifying for a mortgage loan will include:

• Employment History

  The Advantages  √ Know how much house you can afford √ Know how much cash you will need for the down payment √ Simplifies pre-approval

• Credit History and Scores  
• Monthly Income and Expenses
  

With our knowledge & experience of the mortgage market, we'll help you make an informed decision as to the type of loan that will best suit your financial needs. There are many different types of loan products to consider including- FHA (Federal Housing Authority), VA (Veterans Administration), Conventional, USDA-Rural Development (100% Loan), and even Bad Credit Loans.

As you begin the process, we will provide you with a detailed checklist of the items the loan officer will need to process your pre-qualification. Once your application is processed, the lender will provide you with a formal written estimate of the loan cost and estimated mortgage payment. This is called a Good Faith Estimate (GFE).  This estimate will allow you to make an informed decision regarding the loan by understanding the actual loan cost, interest rate, and PITI (Principal, Interest, Taxes, Insurance) payment. Don't worry, we're here to walk you through the GFE step by step. In the end, our goal is to help you secure the best loan to fit your specific financial situation.