How to Obtain A Mortgage Loan In Monterey County

How To Obtain A Mortgage Loan In Monterey County

When you decide to buy a home, the first thing you need to do is get pre-approved for a loan. Many people start shopping for a home, only to find that they are looking in the wrong price range, or that they can not get a loan at all.

Your loan is the "Heart Of The Deal". It is the pulse that drives everything else. Finding a great loan is the first key step in making a wise investment in real estate in Monterey County.

Where you get your information makes a big difference. don't rely on yesterday's real estate flyers, or rumor. This is one of the most important purchases you will ever make. Get real facts from trusted sources that you can trust. Make sure that the loan is tailored to your life, your plans and your dreams.

Having someone just quote a rate to you is not enough. Real estate lending has become very detailed and there are many more rules today than in the past. You must understand lending guidelines for each investor, and all of the hurdles to qualification. You want to have someone who will work for you to get you the best rate, terms and care about your life, not just your loan.

For referrals to local real estate lenders in Monterey County, please call me at 831-214-1934.

THINGS TO BRING TO APPOINTMENT:

• Two Most Recent Pay Stubs
• 2 Most Recent W-2's
• 2 Most Recent Tax Returns
• 2 Most Recent Bank Statements on all Asset Accounts
• Information On Where Your Down Payment Is Coming From