Are you shopping for a Home? It may seem backwards to shop for a mortgage before you shop for the house, but there are several reasons for doing this. Shopping for a mortgage will also help if you can get “pre-approved” for the amount you’d like to borrow. This means the lender has looked over your credit and financial statement and agreed to lend you the money. Sellers like pre-approved buyers because there’s less risk the deal won’t go through. First, you’ll find out how much you can borrow, which has a lot to do with how much house you can buy.
Market conditions and mortgage programs change frequently, and I welcome the opportunity to serve your needs with quick and accurate real estate financing advice. I have the expertise and knowledge to help you determine the absolute best loan program to meet your objectives. Get my Top 25 Questions for FREE that you should be asking your lender before you choose them to secure a mortgage along with a FREE copy of The 8 Deadly mistakes to avoid when buying a Home. If you are already working with a lender, don’t be shy to give me call so I can price the same mortgage for you with less cost. What do you have to lose but your money?
My only job is ensuring that you make the right choice for you and your family as this is my ultimate goal. I am committed to providing you with mortgage services that exceed your expectations. As always, you may contact me anytime by phone, fax or email for personalized service and receive expert advice from a Bank Mortgage Banker who is responsible for the decisions on all mortgages coupled with over 17 years of experience in the industry. I look forward to working with you! And making your dreams a REALITY.
You do have the options to go my secure web site and fill out a short application and it will immediately be mail to me for processing and I will call you within the first 12 hours.
Great Plains National Bank
5068 W. Plano Parkway, Suit 215
Plano, Texas 75093
Phone: 469-347-3572| Fax: 469-791-9029
Hours 09:00 AM – 08:00 PM Mon-Fri & Sat 10:00 AM -07:00 PM CST
Jessica, yes you will be able to qualify. It is a matter of monthly debt to income ratios. Underwriters will take into consideration the monthly payment on those students loans. As long as that payment, your other monthly debt, & the new mortgage payment are under a certain threshold, you will be able to qualify. obviously, income and credit history will be taken into consideration as well.
Each type of loan, fnma, Freddie mac, fha, va, jumbo will allow for different levels of debt to income ratios. Then you must make sure you loan follows qualified mortgage guidelines set forth on January 10th this year.
Bottom line, it has never been more important to be fully pre-approved before you start your home search than now. Licensed mortgage professionals like myself can give you the correct game plan to ensure a smooth home buying transaction. Best of luck! Feel free to reach out to me to discuss further.
Joseph S. Cordova
Trusted Mortgage Advisor
Evesham Mortgage, LLC
65 East Route 70, Plaza 70
Marlton, NJ 08053
856-985-9944 ext. 103 Tel
It was my honor to have the opportunity to match the perfect buyer to this beautiful home in North Bergen. I take pride in marketing at the highest level and doing everything I can to fulfill my clients'
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