This is a function of a couple things.  How much of a monthly payment can you afford?  How much of a down payment would you like to use?  Depending on your home ownership type, we have programs requiring zero down and some we can structure where just a few hundred dollars moves you in.  You can get a rough idea of the monthly payment by using the calculators on our website.  As mortgage planners, we will help you through different scenarios, also taking into consideration what your overall financial goals are.

This is where the rubber meets the road and you save the most money.  You supply information about your employment, your assets, your residence history, and so on.  We get your permission to run your credit score.  When we review all this information we give you a Pre-Qualification letter.  Handle it with care because to a home seller, it's like a suitcase full of cash!  Your Real Estate Agent will use your Pre-Qual (as they may call it) to make the best offer on the home you choose, and the seller knows you're pre-qualified.  It gives you buying clout! 

Once we have helped you decide on the best loan program for you and produced your Pre-Qual letter, we will followup by giving you a detailed list of the items needed to move your loan forward to our underwriter.  This will ensure your loan closes quickly and easily.  Remember, we are here for you every step of the way and will be available at any time for questions you may have.

We will work together to designate a closing agent to handle the funding of your loan.  We'll coordinate with them to make sure all the papers are in order.  You can sign everything at the closing agent's office or the papers can be expressed overnight to you.