RE/MAX Foothills
Ward Stone PLLC - Real Estate Professional since 1984

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Financing Your Home Purchase

Before you actually start looking at homes, the first step is always to talk to a mortgage professional and get pre-approved.

(NOTE: Getting prequalified is not an optional step. All offers to purchase a home must be accompanied by a PRE-QUALIFICATION FORM completed by your mortgage lender.)

Here is my list of Preferred Lenders in the area:

Heather Sorensen-Humphreys  Assistant Regional Sales Manager
Homeowners Financial Group / NMLS # 215869
cell phone: (480) 650-6441

Scott Kobashi  Senior Mortgage Banker
VIP Mortgage, Inc. / NMLS # 145502
cell phone: (602) 430-4262

Torger Erickson    Area Sales Manager 
Bay Equity Home Loans / NMLS # 167957
cell phone: (480) 766-1201

Jared Paul  Area Sales Manager
CrossCountry Mortgage, LLC / NMLS #974114
cell phone: (714) 474-4505
U.S. Marine Corps Veteran
Specialist in VA (Veterans) financing

Scott Harward    Mortgage Broker/Banker, Arizona Manager 
United American Mortgage Corp. / NMLS # 188539
cell phone: (480) 223-2265
Conv, FHA, VA plus Reverse Mortgages and Down Payment Assistance financing.

Simply contact any of these preferred mortgage professionals and tell them you want to start looking at homes and you need to get pre-qualified. (Mention you are working with Ward Stone.) They will ask you a few questions, then walk you through the financing process and answer any questions you have.

Your Pre-Qualification from the Loan Officer should NOT be on a specific property. This is a common mistake. The Pre-Qualification should always be on the maximum loan amount YOU can qualify for. 
For example, if you are looking to buy a home and finance $400,000, but you can qualify for a loan up to $500,000. Your Pre-Qualification should be for the $500,000 amount, NOT the $400,000. Why? Because in that scenario, if your Pre-Qual shows $400,000 it will look to the Seller that you can JUST BARELY afford to buy the home. However, if you are financing $400,000 but can qualify for up to $500,000 you will look like a MUCH stronger buyer and that will give us more leverage in negotiating. (This is especially true if there is more than one offer on the home.)
So when talking to the Loan Officer, don't get caught up in talking about a specific home. YOU are getting pre-qualified, NOT a house.

Do you need to have a 20% down payment to buy a home? The answer is NO. However, if you are able, there are several benefits to at least a 20% down payment. Contact any of the mortgage professionals above for more details.

Reverse Mortgages
For more information on reverse mortgages (age 62+), contact;

Scott Harward    Mortgage Broker/Banker, Arizona Manager 
United American Mortgage Corp. / NMLS # 188539
cell phone: (480) 223-2265

Bill Parker  Sr Loan Originator
CNN Mortgage
Direct: 480-296-7743
Cell: 602-565-3646

Kirk Deem  Retirement Mortgage Specialist
NMLS #1054274
Fairway Mortgage Corp
phone: 480-720-4455
website: fairway

This communication is provided to you for informational purposes only and should not be relied upon by you. RE/MAX is not a mortgage lender and so you should contact the Mortgage Professional shown directly to learn more about its mortgage products and your eligibility for such products.

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