Whether you are purchasing for the first time or you’ve lost count now I can help organize the process and make it go very smoothly. Many clients first contact me to get a pre approval, where I will calculate based on standard lending guidelines how much mortgage they can afford. It may or may not be beneficial to submit for a formal pre approval with a lender, but I will definitely keep a watch on interest rates to make sure I hold one if they start to creep up.
It’s always best if you contact me prior to your realtor, so we can get your budget organized and get an idea of payment which will help narrow down your search. Also I will organize your income and down payment documents so we can make a complete, efficient application that the lenders will approve in short order. My services in a purchase situation go farther than just great rates. Because I also know which lenders will approve quickly and which ones will not I will save you valuable time in the process.