Loan Approval

Learn how the Loan Qualification page can help you take the first step toward purchasing a home. Start by using the free Home Purchase Qualifier to get a better idea of how much home you may be able to afford. Review the home buyer checklist below to understand important factors such as your budget, mortgage pre-approval, location, inspections, closing costs, and insurance. When you’re ready to move forward, use the application option to begin the home financing process.

Free Home Purchase Pre-Approval Request

Do you know how much home you may be able to afford? Take the first step by requesting a mortgage pre-approval at no cost.

State

Great! What type of property are you purchasing?

Single Family Home Condominium Townhome Multi-Family Home

What is your current property purchase situation?

Signed a Purchase Agreement Offer Pending/Found Property Buy-in 2-6 Months Researching Options

How will this property be used?

Primary Home Secondary Home Rental Property

What is the purchase price of the new property?

What is your estimated down payment?

0% Down Payment = Veteran or USDA Qualified 3% - 3.5% = Conventional and FHA Over 20%, no PMI needed 0% Looking for Down Payment Assistance

Are you working with a real estate agent?

Yes No

Can you show proof of income?

Yes No

Name

What is your email address?

What is your phone number?

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Buying a home is one of the biggest financial decisions you’ll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.

I understand that every client has unique needs and financial goals. That’s why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.

Home Buyer Checklist

Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.
Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.
Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.
Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.

5. Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.
6. Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?
7. Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.
8. Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.
10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.
11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.
12) Moving Expenses: Consider the cost of moving and factor it into your budget.

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