Good afternoon Alex Gom,
Based on your example, the numbers work like this:
Purchase Price: $300,000
Down Payment from YOU: $60,000
Mortgage Loan needed to complete your purchase price of $300,000: $240,000 ($300,000 minus your $60,000)
You should definitely get yourself in front of a Local Mortgage Banker now to get thoroughly Prequalified, even if you're not planning to shop until later in the year. You want to be certain now that you are ready, steady, GO for a mortgage loan and you don't have to take any actions to correct problems that could prevent a successful loan approval (750 credit score and 20% Down payment does NOT guarantee a loan approval; too many variables in this difficult lending environment).
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