Mortgage Process

 We will start by assessing your income, expenses, and financial goals.  Next, we will determine your borrowing capacity, considering factors like credit history and debt-to-income ratio. Together, we will establish a realistic budget ensuring financial stability and affordability. 

 Being approved for a mortgage before house shopping offers several advantages. It provides a clear budget, strengthens negotiating power, and shows sellers your seriousness. Pre-approval streamlines the buying process, allowing for quicker transactions.  

 We will offer personalized guidance, answer all of your questions, and address any concerns. Our job is to provide clarity on complex financial matters, keep you informed about the progress, and advocate for your interests with lenders. Ultimately, our goal is to secure the best financing options and create a smooth, stress-free experience.