It would not hurt to contact a lender now/soon just to make sure everything is in order with you credit report and review the loan options available to you. Getting pre-approved for your loan is a key first step in the home buying process, this will save a great deal of time and frustration. Once you have a firm handle on your loans options an effective search can begin. Depending on the type of loan you go with you should allow at least 45 days for the loan process once you find a home and get it under contact.
Bush Real Estate Group
"Simply The Best"
text "HomeFree" to 55469 for info and FAQs
Getting Pre-Qualifed for a mortgage should be your very first step in the home buying process. Starting that process sooner rather than later is probably the best option. You would not want to wait until June to start that process in case there are any issues that need time to get worked through.
To close in early August, you would want to be under contract by mid June. You need to allow 30-45 days for most closings. If you are purchasing a short sale, it could be much longer than that.
As one of the largest direct lenders in the country, Prospect Mortgage offers one of the largest selections of loan programs available. In addition to the standard conventional, FHA, VA, USDA, and Jumbo, we also offer a wide range on Renovation loan programs. Our Renovation programs include FHA 203K (Streamline & Consultant), HomePath Renovation, and HomeStyle Renovation. In addition, we also have an FHA 580-639 FICO program for borrower with previous credit issues.
Getting Pre-Qualified is the only way for you to find out your options. To get Pre-Qualified for your purchase, you can submit your request online at http://www.rodneymason.com.
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of lending experience.
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePathÂ® | HomePathÂ® Renovation | HomeStyleÂ® Renovation | VA | USDA | GA Dream | Jumbo Financing.
All of the advise below is good advise. You will many folks compete for your business. While there are many top lenders, I do recommend that you select a top LOCAL lender. Someone who will take the time to understand your needs and who will recommend the loan products that are right for you. I am not a lender, but I am a full-time Local Realtor who has lived in Coweta county for more than 40 years. I have seen deals lost over the clients lender selection. I have 3 top local lenders that I refer to my clients and they will all work hard to make you the best deal possible and with your best interests in mind. Feel free to send me an email or contact me via my website and I will gladly send you my list of top local lenders. JoePowell(at)KW dot com
Hello, I am a mortgage loan officer and have been helping buyer with their mortgage for the past 20 years. In this day and age of rules changing and the credit acores changing and such. My suggestion is to look into what you qualify for now, just in case you need to work on anything.. Then you will have an idea of where you stand today.
You will need your gross income, SSN # for credit pull, DOB, Address, any monthly bill amounts. To start with.
This pre-qualification can be done over the phone.
et me know if I can be of assistance to you. Thank you and good question!
Sr. Mortgage Loan Officer
I would start in probably May or June to get preapproved and looking to buy, that way you can prepare to move out of the place that you are renting and give a notice to your landlord. If you have any questions, give me a call: 678-739-8769.