Home Buying in 27604>Question Details

kailyn.wilso…, Real Estate Pro in Knightdale, NC

I will be looking to move in about a month or so and was wondering how soon should i begin to look for mortgage lenders?

Asked by kailyn.wilson23, Knightdale, NC Wed Sep 11, 2013

Help the community by answering this question:

Answers

15
Kailyn,

I would start as soon as possible. I would suggest finding an agent and see if they are working with a lender. I would be happy to speak on the phone. Please call me if you have any questions.

919-868-3972--The Alercia Group
0 votes Thank Flag Link Tue May 27, 2014
Kailyn, don't get "pre-qualified," get pre-APPROVED. It's amazing how many people still talk about being "pre-qualified." If you don't know the difference find out.

Good luck.
0 votes Thank Flag Link Thu Feb 20, 2014
Hello, I am an real estate agent with Coldwell Banker HPW. We love it when clients get prequalified prior to looking. We have several in house mortgage broker with Towne Mortgage in our office which helps keep the whole process moving.

Please call Deborah below and then call me, JoAnn Knorr to find you a new home. You may click on the link below to get prequalified. Make sure you tell Deborah I gave you this information.
Deborah Jackson
Mortgage Loan Officer
Towne Mortgage of the Carolinas
Your Hometown Mortgage Lender NMLS Company ID # 214800
NLMS ID# 92444
Cell 919-274-4291
Office 919-773-6253
Fax 919-926-5262
Email Deborah.Jackson@Townecarolinas.com
http://www.townecarolinas.com/DeborahJackson

Thank you,

JoAnn Knorr, Agent
Coldwell Bankers, Howard Perry & Walston
5000 Falls of the Neuse, Suite 100
Raleigh, NC 27609
cell: 919-607-4869
office: 919-926-3239
e-fax: 919-645-9485
Alt email: TheRaleighTenantFinder@yahoo.com
0 votes Thank Flag Link Thu Feb 20, 2014
I would suggest to get started as soon as you can because getting mortgages through can take anywhere from 2 to 8 weeks depending on your lender and finances. It also wouldn't hurt to get started ASAP either. I recommend that you speak with a lender like myself and start getting pre-approved. When applying for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan. 1) Proof of income for each person that will be on the mortgage which can be demonstrated through: one month of pay stubs, previous year's W-2 forms and tax returns, official documentation to demonstrate other forms of income (alimony, child support, etc.), and two year's tax returns if self-employed (all schedules, all pages) 2) Credit Report which they will pull 3) Employment History or Business Tax Returns if you're Self Employed 4) Personal assets such as: Recent balances and statements for bank accounts, most recent account statement demonstrating market value of any investments (stocks, bonds or certificates of deposit), documentation showing interest in retirement funds, face amount and cash value of life insurance policies, value of significant pieces of personal property, debt information, the balances and account numbers of your current loans and debts, including car loans, credit card balances and any other loans you may have. These are just a few things you should have ready when you begin your buying process. Well I hope this helps! 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! Good Luck!
0 votes Thank Flag Link Wed Feb 19, 2014
Kailyn,
I noticed that this is under the section of Waxhaw. If you are looking to move to this area and you are not already working with a broker please feel free to call/text or email me. You can log onto my website and start searching what is listed on the market at this time. If I can assist you with anything in your move please feel free to contact me.

Matthews ~ http://www.unioncountyhomes4sale.com/community/area/Matthews…
Marvin ~ http://www.unioncountyhomes4sale.com/community/area/Marvin/
Indian Trail ~ http://www.unioncountyhomes4sale.com/community/area/Indian%2…
Waxhaw ~ http://www.unioncountyhomes4sale.com/community/area/Waxhaw/
Weddington~ http://www.unioncountyhomes4sale.com/community/area/Weddington/
Wesley Chapel ~ http://www.unioncountyhomes4sale.com/community/area/Wesley%2…

I hope this is helpful to you.
Have an awesome day.

Janice Maynard
Broker/REALTOR, Serving NC and SC
Keller Williams Ballantyne
704-641-0626 Cell/Text
http://janicemaynard.yourkwagent.com/
Unioncountyhomes4sale.com
0 votes Thank Flag Link Tue Jan 14, 2014
Get a couple quotes from lenders. I can provide you with one, pick the best offer.

Contact me to save money on your closing costs!

Purchase Power - Mortgage Package
Put more of your money into your house and less into your closing.

Save on fees. For example:
No Underwriting Fee
No Appraisal Fee
No Document Prep Fee
No Credit Report Fee
No Fee for Lender Title Policy
No Recording Fee
No Settlement or Closing Fee
No Flood Certification Fee

And More
Competitive Rates
Close On Time Pledge
http://www.gtoriginations.com/scott.cox

cell: 919-219-2252
0 votes Thank Flag Link Tue Jan 14, 2014
Rick Creel, Broker
Some lenders have a turn around in as lityle as 14 days.

Use my link for homes in Highlands, Cashiers, Glenville, and Sapphire, NC.
0 votes Thank Flag Link Thu Dec 26, 2013
Email me and I will send you a link to get pre qualified and I will set you up on auto search for a home.
knorrj@hpw.com
call 919-607-4869
0 votes Thank Flag Link Thu Dec 26, 2013
Pre-qualification lets you know how much you can look for. No use getting your hopes up and then running into snags on your dream. The sooner the better. This way you know what you can start looking at.
0 votes Thank Flag Link Mon Sep 16, 2013
Now is a great time to start. At Fonville Morisey we have lenders that help people, you can just meet with them and ask questions! e-mail me if you want their info: pminore@fmrealty.com
0 votes Thank Flag Link Thu Sep 12, 2013
Now is the time to start looking around and getting pre-approved sou you're ready to go. Generally speaking from the time you go under contract to the time of closing is 5-6 weeks. But in order to do this you need to be preapproved first.

Here's a couple of excellent lenders in Raleigh:
Todd Barbour AES Lending - 919-931-9584
Justin Burris Movement Mortgage - 919-535-4760
0 votes Thank Flag Link Thu Sep 12, 2013
Hi, Kailyn,

I agree with the others. You need to look for your lender even before you look for a home.
Time is very tight for you to move in a month. 30-45 days from signing a contract to closing on your new home is common, with 45 days preferred.
.
http://blog.mikejaquish.com/2013/04/05/get-pre-approved-to-h…
.
Any good buyers agent can help you locate an aggressive lender, but you need to move forward with your lender choice ASAP.
.
Web Reference: http://RealtyArts.com
0 votes Thank Flag Link Thu Sep 12, 2013
Save some time and apply online!

I will work to pre-approve you and help you figure out the best mortgage loan program for you and your family.

Check and compare real time rates and fees for whatever loan program you choose.
0 votes Thank Flag Link Wed Sep 11, 2013
From start to finish a loan usually takes 30-60 days depending on the bank. Credit Unions can sometimes have a loan done in 3 weeks but government backed loans such as FHA and USDA take up to 60 sometimes. Feel free to email me if you need help finding a place. whitlockrealty@gmail.com
0 votes Thank Flag Link Wed Sep 11, 2013
Hi! You should start looking now. Getting prequalified will allow you to know how much you can afford and will allow you to be ready to make an offer when you find your dream home.
I have seen people lose great deals because they weren't ready to make that offer. Good Luck!
0 votes Thank Flag Link Wed Sep 11, 2013
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2015 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer