Know what you can afford. Since a pre-approval is based on your specific financial situation, it’s the key to understanding which homes to consider. Not only that, it tells anyone selling their home that you as a buyer have the ability to obtain a mortgage.
Our financial company, Weichert Financial Services, is among the nation’s top lenders. They have a licensed mortgage loan originator, called a Weichert Gold® Services Manager**, serving every Weichert office. This Weichert Gold Services Manager is the only person you need to assist you with your mortgage every step of the way. Your Weichert Gold Services Manager will help you understand how much you can afford to spend and offer you a free credit pre-approval. That, in turn, will enable you to shop with the confidence that comes from knowing you can qualify for the amount of mortgage money you need.
Your Gold Services Manager will offer you literally hundreds of different mortgage products, including:
- Fixed-rate mortgages from 10 years up to the standard 30-year terms
- Adjustable-rate mortgages from 10 years up to the standard 30-year terms
- FHA and VA loans with downpayments as small as 3.5%
- Loans amounts as large as $4 million
- Options that allow for a low downpayment
He or she can help you determine the monthly payment you’re comfortable with and provide you with a mortgage credit decision before you shop for your home. Your Credit Pre-Approval Guarantee will specify the actual loan amount, as well as the loan type and term. (This approval is, of course, subject to an acceptable appraisal of the home you eventually purchase.***)
*Ranked in the top 75 sellers of loans to the GSE’s with Private Mortgage Insurance in 4Q13, according to the January 24th 2014 edition of Inside Mortgage Finance **Not available in all areas; services vary by location ***Not available in NY or CT
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