Have you always dreamed of owning your own home? How about getting a second home or an investment property? It may be easier than you
think!
The first step to home ownership is to talk with a mortgage consultant, determine how much you can afford and what kind of terms are comfortable for you, fill out an application (actually, I will fill out the application for you), and get a pre-approval letter. Most realtors’ first question is “Are you pre-approved for a loan, and for how much?”
All this is much easier than it may sound. I can take your loan application over the phone in about half an hour. I can bring (or mail) the paperwork to you for signatures. You don’t even have to come to the office!
As you know in our current market, loan availability and requirements are changing quickly. The good news is that we still have many creative options to help you purchase your home, including very low down FHA loans.
Today’s loan market has changed.
- Good credit may mean better rates, but you can still qualify with less than perfect credit.
- Interest-only payments can help you afford the monthly payments (yes, they are still available!).
- Adjustable Rate Mortgages (fixed for 3, 5, 7, or 10 years) offer some really great rates.
- Visit the Home Loans page for a list of needed documentation.
- See the Loan Process page for more details on the steps to a successful purchase home loan.