Top Questions from First Time Home Buyers

How Do I Qualify? 

The first thing you do is fill out the Fast Track Response Form that I have included in this package. The more information you give me in the beginning, the more accurate my response will be. Without question, the first step is to get pre-qualified.

How Long Does It Take? 

I can have your qualification completed in 24 hours. In most cases I will know where you stand and what it will take to get you where you want to be. The biggest delay in most cases is usually the applicant: procrastination, laziness, failing to get the necessary documentation together...these are the biggest delays in the process.

How Much Does It Cost? 

Zero. The pre-qualification is a free service I offer to anyone interested in purchasing a home.

What are the Interest Rates? 

Interest rates change on a daily basis. My goal is to get you the cheapest mortgage loan possible, a loan that will save you monthly as well as having low costs to close.

Once you become a homeowner, I can help you lower your rate in the future if interest rates drop. In many cases, I am able to get lower rates for those borrowers who can barely qualify. In ALL cases, I will work to get you my absolute best possible program that comfortably fits YOUR needs.

There will never be any up-front fee until you agree to the terms of the loan and you'll never pay me a dime if I can't get you a loan. I only get paid if I produce. That's why I'm on your side. All my charges are shown on the Good Faith Estimate you will receive at application. Once I have the facts surrounding your situation, I'll know the costs and so will you. There are never any surprises!!! I promise.

I realize this is a lot of information to receive at once. I hope you can see just how many choices and options you have and how buying a home is the biggest investment of most people's lives. I recommend that you do your homework and get a mortgage professional you can trust.

Again, my goal is to educate each and every client I speak with. If a client is not able to purchase a house now, we develop a plan so they can buy in the future. I can offer advice to help repair damaged credit.