This is determined by a few different factors. How much can you afford to pay every month and based on your current credit scores, debt load and employment history how much will a lender agree to lend to you. You can get a pretty good idea of the firs part by using the mortgage calculators on our website.

We will also help guide you through this first step by asking you some easy to answer questions that will help us understand your financial goals much better. Once we have a understanding of what you want to accomplish and your income levels we can give you a clear picture of the kinds of loans and terms that will benefit you the most.

This is the part where you supply us the most information and we determine exactly what loans and how much you can qualify for. You will need to supply us with employment information,assets information, your rental history and any other pertinent information. We will then get permission from you to check your consumer credit score. We will then compile all the information we gathered and if you qualify we will give you a mortgage pre-qualification letter with the loan amount you are pre-approved for.

If you are buying a new home a seller will take you much more seriously when you have this letter. Your Realtor will also use the pre-qualification letter as leverage to make the best offer possible on the home, and because the sellers know that getting financing is not a problem for you your offer will be taken much more serioulsy. We will then work behind the scenes to find you the best loan while you are shopping for the best home.

Once you have found the home of your dreams and the offer is accepted by the sellers its time to complete the final mortgage loan application. This is not hard to do and can be done right on our website and we will help you with this step as well. We will then order an appraisal of the property to verify its value compared to the sale price and gather any additional paperwork that maybe required by the lender.

Your Realtor and the home sellers Realtor will choose a title company to take care of funding your loan once it is approved. Our job will be to communicate with the title company and lender and supply each of them with the required paperwork and to make sure everything is in order and ready for you to sign at closing.