Before you go looking
for a home, you may want to consider getting pre-qualified to reassure
yourself that you will be financially able to get a mortgage. Getting
pre-qualified can give you a significant advantage while youre
shopping for a home. It lets everyone know you're a serious buyer! Other
items to investigate before finding a home:
- Check your credit
history and save as much as you can on your down payment and closing
- Our seven calculators
can help you find the loan that best fits your needs.
- Get a free mortgage
loan quote before you start looking. Youll have more negotiating
power and will help the process move along faster.
- Gather the necessary
documentation and paperwork ahead of time. For a list of paperwork
see "Loan Preparations". It
will save you lots of stress and running around.
- Before or after
you find the right home, apply for your mortgage quote TODAY! Do it
online, it's quick and easy!
- Get a homeowners
insurance quote before purchasing a home.
When should you
apply for a mortgage?
You can get a pre-qualified loan before looking or when you have a firm
agreement with the seller to purchase a specific property. The pre-qualified
loan is the best way to go; you'll know just how much home you can afford
before you start looking. And finally, at the latest, 60-90 days prior
to the date you would like to move in.
Keep in mind, even
if you do not have a specific property in mind, you can still apply
for your mortgage.
Continue reading for more information on "Make
an Offer" that you will need to know about in order to
be better prepared for a California Mortgage Loan!
Use our quote
form, a mortgage feature on California Mortgage & Home Equity
Loans, Co. to locate a lender in your area offering the mortgage
product that best suits your needs. The independent lender you select
will work with you to help find a low-cost mortgage that meets your
needs. Apply today!