Finding out whether you qualify to buy this (or any) home can be intimidating. That initial call to a lender is one that many buyers dread, because it's a journey into unknown territory and nobody wants to hear what they fear may be bad news. But the home-buying process does have to start with that step. Most lenders are going to be courteous and supportive, and you should never feel intimidated or embarrassed. You are the customer and a good lender will treat you with respect.
If the ultimate news isn't what you want to hear (you don't qualify right now), you can do two things: check with other lenders (they do not all use the same rules/criteria to get to yes); and you can ask for a plan on how to make positive changes to your credit, etc. in order to be approved in the future. Sometimes this is do-able in a surprisingly short time.
Please let me know if I can help you in any way. Good luck to you.
REALTOR & SFR
I specialize in the Ahwatukee Foothills area and have many expert mortgage brokers on my team who are uniquely qualified to help with situations just like this. Please let me know if I can help in any way. I'd be honored to have your business!
John B Clark, REALTORÂ®
First Class Service with Integrity!
HomeSmart Real Estate
1745 S Alma School Rd #115
Mesa, AZ 85210
Office Phone - (480) 678-4800
The first step is to ask your Realtor to show you a lender. If down payment is an issue there is a 5% free grant in Maricopa County for moderate income buyers that use a FHA loan (6% for Veterans). Your lender will be able to determine quickly how much of a loan to qualify and inform your Realtor.
Feel free to call me with any more questions.
Jeffrey Masich, Realtor, GRI, MBA
Arizona homes and land for purchase or sale
As a former high school teacher myself, I know the difficulties in securing a home loan.
However, this question is best answered by contacting a lender and seeing if there is a loan for which you may qualify.
Please call me anytime!
Always in your service,
Representing the wine industry.
Michelle RenÃ©e Mozell
602 292-0753 Cell
480 452-0640 eFax
HomeSmart, Associate Broker
20860 North Tatum Blvd.
Phoenix, Arizona 85050
480 443-7400 HS Office
480 664-4357 HS Fax
Bergman Euro-National, RealtorÂ®
DRE License 01879859
5850 Anderson Road
Forestville, California 95436
707 887-9822 Bergman Office
707 887-1211 Bergman Fax
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