The other answers are all good. You ask, " who would i get qualified". I am assuming the who is you. If not it is the person who is taking the note on the home if there is going to be a mortgage on it.
I just thought you would like some more information about the home to help you make an informed decision. For starters, the home at 3108 Gallant Dr. is a short -sale, which means the lender will make the final decision on approving the sale. Better make sure the listing agent has done their homework and has been in contact with the lender to make the sale process a smooth one. It sits on a slab so there is no basement. It is a M/I home built in 2003. This maybe a tough sale because the home sold for $151,200 in May of 2003 and the current owner took out a $146, 799 mortgage, so the seller is taking one heck of a hit here. The home also needs " work" and is most likely being sold AS-IS so better make sure you take a good look at the home and get a good home inspector. The average selling price per/sq/ft in this area is $36.25 so it is priced right. The only problem is what is the condition of the home. You may not want to pay the going selling rate if you have to drop a few thousand into it.
Vivi, I hope this has been helpful. Please be careful and get a good Realtor to help you through this process.
Jeffrey Paeltz, SFR
1. Your agent can help you better with selecting the most appropriate homes for you when you know what type of mortgage and what loan amount you are pre-approved for.
2. When you find a home you like and want to make an offer on, your pre-approval letter has to accompany your offer. Private sellers may be willing to wait a couple days for your pre-approval, but banks or government entities will not even consider your offer without a valid pre-approval.
3. When comparing rates from banks or mortgage brokers, make sure to ask what type of transaction they will lend on. Not every bank will loan on a foreclosure listing or offer rehab type mortgages.
I hope this helps. Feel to free to contact me for references or if you have more questions!
Give me a call or email me at L.email@example.com so I can get you in touch with someone who can get you pre approved or some additional info on your options at the time. I hope this helped and will be looking forward to hearing from you!:)