:: Confidential Mortgage Application
Obtain the Best Rates & Lowest Closing Costs!
When you are ready to purchase a home, it makes sense to negotiate from
the strongest position possible. In a strong real estate market, sellers
can be more selective in the final buyer they choose to negotiate with.
In such a crazed seller's market, it's not uncommon for a home seller
to receive multiple offers on their property. With that said; there
are certain things you can do to make certain that your offer is the
one Seller goes with:
Pre Qualify yourself! Know what you are capable
of obtaining for a loan and make sure your Realtor conveys this to the
Seller! Don’t wait until you’ve found the right
home!
Let's look at this from the Sellers perspective
for a moment. If you were the Seller and had multiple offers on your
property, all things being equal, would you accept the one with Certificate
of Financing Approval or the one that was still conditional on Financing?
The answer is obvious. Why then, do so many buyers wait to start the
financing until after they have found the home?
Often, many buyers are usually very good,
qualified buyers and are not worried about getting approved. Even though
they usually are correct and will ultimately be Approved, the Seller
in most cases has no guarantees. This can result in delays or even in
losing a bid on a particular home.
Lastly, from a cost savings perspective...
As a prospective purchaser, it makes all
the more sense to start the financing early on so you can get a firm
handle on your interest rate and estimate of points and closing costs.
If you do this before finding a home, you are not under any time constraints
and are less likely to over pay like a buyer who has found a home and
is under strict time constraints.
Should you decide that you wish to take advantage
of Pre-Approval, simply complete the attached confidential mortgage
application. We will locate the absolute best mortgage rate and lowest
closing costs possible and process your application without any cost
or obligation.
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