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Should you talk to a mortgage professional before house hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? How do you know what price range to look at if you don't know yet how much you can borrow?

When I pre-approve you, I will  help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. I will do this by considering your income and debts, your employment outlook, your available funds for downpayment and required reserves, and some other things including loan programs that best meet your goals.  It's short and to the point, and I keep the paperwork to a minimum

Once I determine what you can qualify for , I issue you what's called a Pre-pproval  Letter with  a copy to your real estate agent ( if you have one). When you find a house that catches your eye, and you decide to make an offer, being pre-approved for a mortgage will do a couple of things. First, it lets you know how much you can offer and gives you the confidence to know you can follow through.  More importantly, to a home seller, your being pre-approved is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you don't qualify  for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on this  site to get an idea of how much mortgage you can afford but  this will not be inclusive of taxes ans insurance and will not take into account different loan programs that may help you qualify for a larger loan. Futhermore, when you speak with me,  you will recieve Pre-Approval  Letter at no cost to you !