Your credit and income look great, however, I would need more information pertaining to the properties you're interested in. Without knowing your monthly liabilities (credit card, loans), an estimate of property taxes, type of home (single family, multi-family, condo, etc.), and amount you're looking to put down it's impossible to calculate figures.
What I can tell you is that choosing a knowledgeable mortgage professional will make all the difference. If there were a way to minimize your down payment so you have more cash in the bank wouldn't that be a great thing? What about exploring tax benefits? It's all about short term AND long term success; this is something I'd like to discuss with you.
Please contact me at your earliest convenience so we may weigh out several options so we can develop a plan of action. I may best reached directly via phone or email; whichever is easiest for you.
Paul F. Marzolla
Sr. Mortgage Consultant
I've got to agree with my colleagues, Andrew and Maury. Penn Johnson or Stan Yee with Stamford Mortgage get top marks! They have a variety of lenders and programs available to suit your needs, they communicate very well, and they meet deadlines. Give them a call at: 203-323-6588.
Prudential Connecticut Realty
You've obviously had a lot of good suggestions in just a few minutes! I should also note, depending on who you use as a Realtor, that many Real Estate companies have their own in-house mortgage brokers or affinity relationships. Before you sign on that mortgage dotted line, it's never a bad idea to talk to more than one source, you might great a better deal on rates, closing costs etc. Don't forget at your bank, credit union etc. when looking for financing.
I have been a mortgage originator for about 15 years, and would be happy to help you.
You can reach me via cell (860) 989-8008 or email listed below.
Vice President of Mortgage Lending
vCard / Twitter / LinkedIn / A+ BBB Rating
Cell: 860.989.8008 / fax: 860.760.6411
NMLS ID: 22204
My recommendation for an awesome CT-based mortgage person is always Lynne Oliveri with Guaranteed Rate. Quality service, constant communication and best rates I've found. Give her a call at #860-989-8008.
And best of luck in your new home search!
Here are 2 VERY good mortgage brokers. I'd give you a third, for the 3 referral rule, but these guys are great.
Victoria E. Perfido
Senior Loan Officer
MORTGAGE MASTER INC.
Mauricio H. Ahumada
iServe Residential Lending (NMLS# 2914)
1010 Washington Blvd, 6th Floor
Stamford, CT 06901
Good luck...if you're not already working with an agent, please give me a call.
Anton - 203-667-4482
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(631) 659-2011 Office
(516) 918-5383 Fax