Dave Ratti
888-200-9443
Your Steps to Home Ownership
Few people can buy a home for cash.
The real issue with real estate financing is not getting a loan, instead, the idea is to get the loan that's right for you -- the mortgage with the lowest cost and best terms that meets your needs.
Dave strongly believes in getting the finances taken care of early. There are many lenders and loan programs available. Dave can recommend specific Lenders for you to discuss your needs and turn you into, in essence, as 'cash' buyer.
Dave recommends pre-approvals for another reason: Purchase forms often require buyers to apply for financing within a given time period, in many cases, seven to 10 days. By addressing this issue early, it won't be necessary to quickly find a lender, check credit, and rush into a financing decision that may not be the best option.
Although not a final loan commitment, the pre-approval letter can be shown to listing brokers when bidding on a home. It demonstrates your financial strength and shows that you have the ability to go through with a purchase. This information is important to owners since they do not want to accept an offer that is likely to fail because financing cannot be obtained.
How do you get pre-approval?
Over the years there is a certain experienced gained in dealing with lenders and
their reliability.
We can recommend several different alternatives.
Just call Dave Ratti, 888-200-9443, for information about this process.