SureSell Real Estate Group
Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.
Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.
Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.
Put together your Team of real estate professionals and shop 'til you drop!
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FYI, we are a direct lender and located in San Diego.
Equity Loans, LLC
Feel free to contact me directly and I can put you in touch with a great gal that can see what programs you currently qualify and/or put you on a path to get qualified.
McAllister Homes Real Estate
If your credit is that good, you could consider 5% down, it eliminates Mortgage Insurance, thus, making your mortgage payment lower.
Your best bet is to get pre approved for a loan and then link with a Realtor to start looking at homes. A loan officer will take into account all your debts and gross income to qualify you as well as run a credit check and verify assets....it only takes a few minutes.
I do both, so if you'd like, I can pre approve you in less than 24 hours and start sending you homes to look at via email today as well.
Call, text or email if you want to get started today.
Here are some lenders to try.
Local Help with Your Real Estate Needs
The San Diego Property Shop
CA DRE # 00648687
The other option would be to put a plan in place to repair your credit if necessary. There ARE things you can do, whether that involves you personally fixing your credit, or getting a reputable company to help you.
If you want some help getting going in the right direction, drop me a line and I will do whatever I can to help...
Cory La Scala, REALTOR
Lic # 01443391