Yes! It is definitely worth getting preapproved. Getting preapproved is always one of the best places to start. It is easy and I would happy to help you get approved.
I work with zip codes you have mentioned and would be happy to help you find your first home. The homes in this area tend to go quickly so you are on the right track by starting early.
Please feel free to call me to discuss your realestate needs further.
I will look forward to hearing from you.
"Over 30 years in the business."
Thanks for the great question!
I would recommend you interview a couple of REALTORS and choose one to work with.
The decision to use or not use your husband's income will be based on the specifics of your situation. We would need to get more information regarding your husband's relocation like, is he being offered a job here in the US? Does he have any established credit in the US? Some foreigners are able to establish credit before they even get their green card. Etc. Etc.
An option if we establish that we can't use his income and your income alone is not enough to qualify you for the house you want might be to find a seller that is willing to finance the purchase. In a seller financing transaction, you still get title to the property but instead of paying your mortgage to an established bank, you pay it to the seller. We can cross that bridge if we have to.
I hope this helps.
We love helpIng people and would be honored to assist you as well.
I have lived in the Phoenix-Glendale-Peoria area for over 40 years --- This is a great place to live, I would really like the opportunity to help you find your new home. Call me 623-640-0488 or email me email@example.com
I would be more than happy to refer you to a knowlegeable loan officer who can pre-qualify you for a loan; once you are prequalified you will know what price of home to look for. The next step is to find that dream home.
Realty One Group
I specialize in working with buyers and especially first time home buyers. I will sit down with you and your husband and explain the entire process to you and take you through every step along the way so you will not feel lost. If you need my help, please feel free to contact me.
Keller Williams Integrity First
Your first stop will be to talk to a lender, if your middle credit score is 640 you will be ok for an FHA loan
I work a lot with Nova Home loans a mortgage banker ( they fund the loans in house) and they have a credit advise department that they will analyze all your credit history and find the fastest and best option for you to qualify for a loan. You may also be able to use some of not all your husband income
If you want me to represent you and give you my loan officer information lease contact me any time , I have a lot of experience working with buyers from other countries .
Email Denisa.k@cox. net
You may contact me at my e-mail: firstname.lastname@example.org or by phone at 480-466-0264.
Please remember there has never been a better time to buy a home. Prices are still competitive and the interest rates for an FHA loan is under 4% with a 3.5% down payment.
Yes, it is worth trying to get approved now. You are going to get many emails from this forum from both realtors and lenders alike, wanting to work with you. Your first step should be finding both a lender and a realtor you can trust and enjoy working with. Please go to my LinkedIn profile and look over the recommendations there. LinkedIn: http://www.linkedin.com/in/billparkercpa
I will recommend Randy Bishop as the realtor. He has lived in the Valley all his life and taught high school for over 20 years in the Valley. Nice guy, who really listens to his/my clients and goes out and finds them what THEY want, not what he wants to sell them. 480-209-2383; RandyMBishop@yahoo.com.
The first step is to talk to your lender and determine not only for what amount of loan you qualify, but also to do an analysis of whether it makes sense to do a conventional or FHA loan. The conventional might be appropriate because you have a fairly large down payment, but the FHA might be better since you have relatively low credit scores (we won't just look at Experian, but all three to see what reality is).
Give Randy or myself a call and we can start the process to get you into your first home. I love working with first time home buyers, as it gives me a chance to teach them about the whole home lending process and you, as a group, tend to be more appreciative of the work that is being done on your behalf.
Here are three lender I sent clients Try them out.
Also you can search like I do at
V.I.P. Mortgage, Inc
Home Point Mtg.
Senior Loan Officer
Realty USA Southwest