Vino Alonzo, Loan Officer
Castle & Cooke Mortgage
Thanks for asking. That is the first step.
It states that you are in Dallas at the moment. Or are you already in San Antonio? It is good to talk to a lender to get pre-qualified first so you can find out if there are any credit issue that you can resolve or possibly improve upon to get you into a better buying position.
Depending on the loan program you qualify for will somewhat determine the time it will take to close the deal on a home purchase. On average it is between 30 and 45 days from the time you sign a contract to purchase to the day you sign the closing documents at the Title company.
It will generally take about 10 days to find just the right home that fits your lifestyle. So I would need to find out more about the lifestyle you desire in order to place you in the right part of the city to make a fit.
I have information I can send to you that will help you learn more about the whole process. Just contact me and I will be happy to forward it to you. You can learn more about me from my previous clients in the Recommendation section of my profile.
I look forward to working with you.
Keller Williams Realty
Definitely start with a great lender who can give you an idea of the options available to you based on income, credit situation, down payment, location, etc. I'd recommend you stay away from the big banks, even if you bank with them. It's best to work with a smaller local lender who has one person (and a staff) that you can deal with personally, and that has their underwriters in-house. They can tailor a loan to you and your needs, rather than trying to fit you into one of just a few products they offer.
Once you've figured out how much you are qualified to borrow, a Realtor can help you narrow down the areas and find homes that fit your needs.
Give me a call or send me an email if you'd like to talk with one of the lenders that have done a great job for my buyers. Best of luck in your search!
Kathy Walsh, RealtorÂ®
Keller Williams Heritage
We go over every term and cost break down that you need to understand when it comes to getting the best home financing. Please call for a no cost pre-qualification. 210.535.1739
Branch Manager- San Antonio, TX
Go here: http://www.DHIMortgage.com/Kasey-Hampton - she can handle loans anywhere in the State of Texas. The online pre-qual is quick, easy, and free. You can thank me later..
If you are looking the San Antonio or surrounding areas.. Give me a call.. I'll send you all of the homes that fit exactly what you are looking for. If you are staying in Dallas, find a buyer's agent that is super aggressive. A stong aggressive buyer's agent is worth their weight in GOLD, and they won't cost you a penny!
More often than not, my first time buyers qualify for some great programs that assist with closing costs if the seller won't agree to that during the Purchase Agreement negotiation. You want to look at the big picture and weigh out all the pros and cons. But you need the information and Exclusive Buyers Agents provide that information. Not every Buyers Agent is an Exclusive Buyers Agent.
The brokerage must not offer any listing, they must exclusively support the buyer.
It is Free and Up to Date.
Then we need to meet in person to explain you the process and steps needed to achieve you goal.
It is okay to contact me, you will see how easy and stress free I will make it for you.
Jose L. Novelo