It's true! It's much harder to qualify for and obtain a mortgage these days. That's why you need an experienced professional to help you navigate through the home purchase and financing process.
I am a Senior Mortgage Advisor with over eighteen years of experience in obtaining residential loans for San Francisco Bay residents. I do not work for a Bank, but I do understand the mindset of a Bank's decisionmakers and underwriters. I am the liaison between you and the Bank, and I will not submit your loan unless I know it will be approved, and that the property meets the Bank's requirements.
Whether you are thinking about purchasing your first home, moving up to a new home, retiring or purchasing a second home, I can help.
I offer the following services at your free, in-person meeting in my office. I will help you:
o Budget for your new home purchase
o Analyze whether it's smarter for you to rent or buy
o Obtain loan pre-approval to find your optimal price range
o Run scenarios with different down payments and price points to optimize your purchasing power.
o Decide whether you should choose a conventional or government loan
o Advise which combination of rates and points will save you the most money over time
o Providing a time line of the home purchase and financing process so you will know what to expect next
I look forward to meeting you and working with you