Buyers Tip...

Getting Pre-Qualified is not the same as getting Pre-Approved.

Being Pre-Approved means that a lender has verified all your documentation and run a full credit report, thus allowing you to place a contract on a property with the comfort that you can truly buy it!

Unfortunately, being Pre-Qualified is not as advantageous.  This is because a lender has only given an opinion as to your buying ability, based upon non-verified information.

thinking of buying?

How much can I afford?

Buying a home can be one of your most significant investments in life. Not only are you choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be.

There are many items to be addressed before you "go shopping" for your dream home.  Are you paying cash or will you need a mortgage?  Are your debt ratios conducive for a purchase?  Have you been pre-qualified or pre-approved by a lender to buy?  We can assist you in obtaining financing, through many banks and lenders.

Think of how disheartening it would be to find just the right property and than realize that it's more home than you can afford.  We'll work with you to get pre-approved prior to viewing properties.  This makes the buying process much easier as you know exactly what you can afford and will not have to waste time viewing properties that are not within your price range.

Consider the insurance.

It's a big expense, but an essential one. Learn the facts about insuring your home and be sure to get the best coverage at the lowest cost.

You may pay less for insurance if you buy a house close to a fire hydrant, for example. It may also be cheaper if your home's electrical, heating, and plumbing systems are less than 10 years old.

Increase your deductible.

Deductibles are the amount you have to pay toward a loss before your insurance company starts to pay a claim. If you can afford to raise your deductible from $500 to $1,000, you may save as much as 25%.

Make your home more disaster resistant.

Find out from your insurance agent what steps you can take to make your home more resistant to natural disasters.

Improve your home security.

You can usually get discounts for a smoke detector, burglar alarm, or dead-bolt locks. And some companies cut your premiums if you install a sprinkler system or fire and burglar alarms that ring at a monitoring station.

Stay with the same insurer.

If you have kept your coverage with a company for several years, you may receive a discount. Also, consider buying home and auto policies from the same insurer.


Remember, if you have any questions about the process, we're only a phone call or email away!