Why do we say to get qualified first before you go out looking at homes?  The main purpose for this is so you do not get discouraged and disappointed when you find the perfect home and then find out you do not qualify for it.

Qualifying for a loan does not take very long to get a quick idea how much you can afford to purchase.

What do we need:

1. Full name, address & phone number

2. Employment information and income documentation

3. Signed authorization to run your credit

So you see this takes just a matter of minutes for us to gather the information, run your credit & determine the price you can pay for your new home.

Another reason you want to talk to a mortgage professional is because you want to know what programs are available and what program will be the best for you based on how much down payment you may have.

One more reason is you want to know about all of the costs of owning a home which may be included in your monthly payments for example:

4.  Property Taxes & Supplemental Property Taxes

5. Mello Roos Taxes or similar type of tax

6. Homeowners Insurance, Flood Insurance, or Condo Contents Insurance-(HO-6)

7. Student loans, Car Lease payments, tax liens and other items may affect your monthly debt ratio

We sit down and discuss your options, needs & wants to make sure we can make your dream come true.



DRE License #00967654