PRE-APPROVAL Mortgage Application  

IMPORTANT!!! STOP RIGHT HERE!!! THIS IS THE BEST PIECE OF ADVICE I CAN GIVE (YOU) AS A BUYER RIGHT NOW.  

"DO" DICLOSE EVERYTHING... and I mean EVERYTHING to your loan agent!

- Things to disclose - other properties and fees NOT associated with your new purchase - Is the property going to be put in a trust - child support - tax liens - all marriages - bankruptcy - divorce(s)  

Generally, ALL of these items can all be handled during your sale, IF you disclose them upfront. These items can take the TITLE Company many days to sort out.

IF not disclosed upfront, these items can KILL your sale, throw your deal out of contract due and could cause your buyer $$$.  

IMPORTANT - 6 MONTHS BEFORE YOU BUY - DON'T DO'S

If you're thinking of purchasing a home in the next 6 months... and plan on getting financing from a bank, you can KILL your new purchase by doing any of the following.  

"DO NOT DO"... THE FOLLOWING:  

- DO NOT buy a new car or large purchase - DO NOT open new credit card accounts - DO NOT take out new loans - DO NOT move money between accounts (bank, stock, ira), or anywhere for that matter
- DO NOT charge up your credit cards (Credit cards best usage is 30% or less of each card balance - Helps with BEST credit score!)  

WHY? Lenders (Banks) DO NOT LIKE IT anything on the "DON'T DO" list.

Here's what the banks can do, if you do any of the following.  
- Not give you the best loan program - Charge you a higher interest rate - REQUEST a HUGE paper trail
- Deny your loan  

If you're unsure about something... call me or your mortage agent. I promise, if you want to purchase a home, the most important thing is buying your home first! Then you can buy or do ALL the other things!  

HOW DO I KNOW THIS? EXPERIENCE in the Real Estate Industry
and... I was also a loan agent for many years prior to being a REALTOR.  

GETTING PRE-APPROVED Mortgage Application  

FIRST STEP  

Connect with me today. Let me help you with a list of easy steps that make your buying process SO MUCH EASIER!
Call me at 408-858-9498.  

IMPORTANT - When working with your mortgage agent, DO NOT FORGET to disclose ALL  

When the time comes that you are ready to start looking for a home, getting in touch with a reputable mortgage loan officer is critical.  

* If you need help, I have a several loan specialist I can refer you.

Helpful Tip - Every seller in todays market is making sure that the buyer interested in their home has a strong pre-approval.  

This tells them that you are able to get the money needed to purchase their home. When you get your pre-approval at that time you will get an idea of what your monthly mortgage payments will be and what interest rates are on the type of loan you want. You will also have different options on how much of a down payment you would like to put down.