Preapproval will not just be based on your credit score. The lender will take into consideration your income and your debit to analyze how much you qualify for. If you need a referral for a really great lender, message me directly using the information below and we get started right away!
Real Estate Broker/ RealtorÂ®
TruliaÂ®'s #1 Recommended Broker in Oceanside, Cardiff, Bonsall & Vista!
McAllister Homes Real Estate
Residential Sales & Property Management
Congratulations on a great credit score! This score will be taking into account by your lender when qualifying for a loan. There are some great loan programs out there that I'd like to talk to you about. Call me to discuss at 619-200-5545. Thank you!
A lender will take into account your credit score, regular income, down payment percentage, property value, previous short sales, forclosures, bankruptcies, etc in evaluating your pre-approval. Get in touch with me to connect you with a lender that can get you pre-approved for a home that's right for you.
Century 21 Award
Contact me through my profile if you'd like help. Thanks!
Great FICO score! There are a few other factors involved in the pre approval process. Contact me and I will get you set up with an appointment with one of my trained professionals. I look forward to working with you! "There is no better time than now!"
Realtor BRE LIC# 01934056
Once we can start the loan and home process, we can go shopping for your new, exciting home with your pre-approval letter in hand!!
I'll prepare and submit offers, contract on your home on interest, obtain final loan approval, open and close escrow, I will happily give you your house keys!!
No more rental payments to your landlord to pay his own monthly mortgage payment with your hard-earned money!
You can use your own lender or mine.. Mine is an established, local, direct Lender who is HELPFUL, quick and easy for you to gain a current lenders pre-approval letter based upon your sterling credit, debt to income ratio and employment verification, etc.
Let's make home happen.
First of all, congratulation on your very good credit score. I used to be a lender, but nowadays your credit score is not as important as your debt to income ratio & assets. As we have learned in the past, it is very simple to manipulate credit scores with good habits and tricks.
My preferred lender can approve you for 50% debt to income ratio. Say you make 4k a month, that means your total monthly obligations (principal & interest, home insurance, property taxes, credit card payment(s), loan payment(s), etc.) cannot exceed 2k per month. In most cases, they will average the previous 2 years plus the current year to date income... however, if you have received a recent raise, there is room for the underwriter to be open minded and give you the higher income, and you can usually achieve this with compensating factors.
If you are not already working with a Realtor, I'd love to talk to you to see if we are going to be a match. 3 things can happen, 1. We connect and work together, 2. I like you, but you go in separate directions or 3. You like me, but I decide not to take you as my client. Either way, I would like to entertain the possibility if you contact me.
Hector R. Gastelum
Realty Executives Dillon
You've been offered assistance by many of my colleagues...Pick a lender and start the process!
When you are ready for a Realtor to go home shopping, I'd love to help you.
I would be more than happy to help you. Feel free to call or email me anytime. Good luck!
If my response was helpful, consider clicking BEST ANSWER!
Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(516) 740-4478 Office
(516) 918-5383 Fax
Feel free to give me a call and we can discuss the pre-approval process and your real estate needs further. I would love for the opportunity to assist you with getting approved and finding the perfect home! Thank you for your time and I look forward to hearing from you soon.
RBD Residential Group
CA BRE# 01703306
Pre approval will also depend on your income.
I can connect you with very good team of Wells Fargo bank that can help you pre approve.
Let me if you would like there information my email and phone is below.
RE/MAX Active Realty.
Short Sale And Foreclosure Resource
Phone: (510) 676-4770
your credit score is only one aspect in the qualification process. Don't get me wrong, its important! It will almost get you the top tier pricing with most lenders. BUT what will primarily shape how much you are preapproved for is your income and your debts. And what ever you do, don't let everyone here pull your credit!! Interview your loan officer for the job of helping you, pick one and roll with it.
First, we think you mean Experion, which is one of the three credit scoring agencies.
There is not sufficient information and you should not post it here.
Lastly, an agent cannot supply what you are looking for, call 3 lenders and give them your information to get what you are seeking.
We recommend Glenda Meyer at The Lending Company. She can be reached at http://sandiegohomeloans4u.com/
Best of luck, let us know if we can assist with your purchase once you know what you can afford.
Mark & Kari Shea
Shea Real Estate
National Association of Realtors
CA DRE License 01713506
Your credit score is just a small portion of qualifying for a home loan. What even more important is how much income you have, how reliable that income is, and how much debt obligation you have. All these factors taken together will determine how much of a loan you can qualify for.
If you would like to begin the application process, check out: http://roycekemp.com/apply-for-a-home-loan
RPM | MORTGAGE
2187 Newcastle Drive #201
Cardiff By The Sea, CA 92007
Fax: 866.842.7866 (efax) nmls 307368
He is able to cover your closing costs while offering an exceptional rate. Once you have the preapproval notice for the amount of the loan I can help you to locate the property that you are looking for.. Just in case if you are interested my phone is 619-977-4929 and email is firstname.lastname@example.org
If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can!
Sr. Mortgage Banker
NMLS # 659743