I'll give you some advise on staying ahead of this fast moving market. Work with the brokerage that has the most market share in the area you are interested in. We will know what is coming on the market days before other brokers and a week or more before they show up on Trulia. Many homes are sold before they even hit the MLS.
Call or email me to schedule a meeting.
Lots of good answers here and once you choose an agent to work with she or he will most likely have loan officers they have worked with for many years. This is one of the best recommendations you can get since that Realtor may have closed lots of loans over a long period of time with the same Loan Officer. Of course your best bet to beat the crowds bidding on the best properties is to have an agent watching the MLS several times a day looking for that "right" place for your needs.
I do have a question to ask you. Why is it you think that "Apparently we can't get a Jumbo..."? What piece of information are we missing here?
The Realtor Who Listens to Your Needs.
It sounds like you're well-qualified, and would have no problem getting approved for either a Jumbo loan or potentially a piggyback loan where the first loan would be a conforming $417 and the second a HELOC of 168,000,
In order to work out which would would be best for you, I'd need to verify three things: Your income, your assets and your credit.
Please feel free to give me a call at your convenience. My cell phone is 773-416-7107 and I can be reached from 9 am to 8 pm.
If you'd prefer, you could also fill out a complete application at my website, by clicking on "Start the Process"
I hope to hear from you soon.
Senior Mortgage Consultant
That is 15 minutes on the phone with any of the lender reps we work with.
While you are looking for a sought after commodity in those areas, it is not impossible to be first in line and get what you are looking for. This is where we work every day, and there is no reason a good agent can't get you your next home at that price point.
If you want to end your frustration and get things moving, give me a call or email me
Dave Hanna 773-732-9123 email@example.com
Let me know if you would like a recommendation!
Sarah @ Jameson Sotheby's International Realty
We have a few programs for those putting 10% down. Please contact me if you'd like and we can discuss further. I'd be happy to help.
Chicago Financial Services
312-204-6556 - direct
312-608-1555 - cell
Please contact me at your earliest convenience,
Senior VP of Mortgage Lending
773 290 0455