Loan Pre-Approval
In order for a real estate
consultant to help you in your home search, the first step is to get
pre-approved for a loan through a reputable loan
consultant.
Loans are not like they
used to be where you needed 20% down
before the bank would even look at you. Today there are so many loan programs
available that can be tailored to your specific goals and needs such as 0%
down loans, 5% down, FHA, ARMs (adjustable rate mortgages), interest
only, etc. Based on your unique situation, your loan consultant will
discuss what the best options for you are.
You can get pre-approved
free (no cost or obligation) by applying with one of the loan consultants
listed below. They are preferred loan
consultants because I trust them and have worked with
them. They will not “take you for a ride” with extra fees and they will
give you the best rate you qualify for.
Be prepared when you start your pre-approval process. You will
need access to the following information for your application:
- Home
address(es) for the previous
two years
- Your
social security number(s)
- Employment
information for the previous
two years including employer name, address and phone number
- Income
information including salary,
overtime, bonuses, commissions, dividends, interest, retirement and any
other source of ongoing income
- Liquid
assets including bank name,
account type, balance, and source of down payment
- Other
assets including the value of
bonds, stocks, life insurance, retirement funds, jewelry, automobiles,
etc.
- Liabilities including creditor names and outstanding
balances for all debts including notes payable, 401(k) loans, life
insurance loans, stock pledges, alimony, child support, co-sign loans,
credit union loans, and other liabilities
- Real
estate owned including property
address, market value, outstanding liens, rental income, mortgage
payments, taxes, insurance and maintenance dues
Register For A Free Home Buyer Workshop
Preferred Loan Consultants
Bill Maggio
Wells Fargo Home Mortgage
Phone: 206-340-8267
Email: william.maggio@wellsfargo.com
Website: https://www.wfhm.com/wfhm/bill-maggio/
(Go here and click “Apply Now” and apply directly online. Bill will follow-up with you right away.)
Shona Koester
Cobalt Mortgage
Phone: 206-274-5196
Fax: 1-866-771-0131
Email: shona.koester@cobaltmortgage.com
Website: http://www.ShonaKoester.com/
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