Home Loan's and Information

Great Buyer Home Loan Information:

In today's world of Real Estate there are many different options for  financing a new home. We have designed our web site to try and give you as much information regarding the various types of mortgages as possible. As we lead you through the process, you will have a better understanding of how different mortgages work as well as a brief description of each of the most common types of mortgages. When buying a home you need to make certain you will qualify and be APPROVED for your new home loan by your lender. Many sellers will not accept an offer on their home without a good PRE-APPROVAL letter which meets the terms of the Spokane Multiple Listing Service standard Real Estate Purchase and Sale Agreement. Sometimes sellers will not remove their home from the market until they have been provided with a written letter from the buyer's lender stating the buyer has been PRE-APPROVED for their loan. This is also why it is critical from a buyer's standpoint to meet with a reliable Lender from the start of their home search process to ensure that they will be receiving financing and will not risk losing their perfect home to an already PRE-APPROVED buyer.Lets take a look at what a PRE-APPROVED buyer is in comparison to a PRE-QUALIFIED buyer. There is a big difference so look at both definitions closely.

Pre-Approved Buyer:
The lender has reviewed the buyer's formal written mortgage application and financial records, completed a satisfactory credit report, and then approves the buyer for a specific loan amount. This approval is subject to a satisfactory appraisal of the property and title report.

Pre-Approved Buyer:

The lender takes the buyer's income, down payment, and employment background and will then qualify the buyer as an approvable buyer, contingent upon the lender approving the buyer's completed application including a satisfactory credit report and employment verifications etc.

Click Financing Definitions to learn more about home financing definitions.

Click Steps to Financing to learn more about home home loans & approval. 

Click More Financing Information to learn more about home financing.

Click Mortgage Calculator to estimate your new home loan payment.  

Click here to order your FREE Buyer Packets:

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Home Loan Info

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Loan types: Conventional, FHA & VA

FREE Buyer Packets

FREE: Washington RE Agency Laws Packet
FREE: Washington Real Estate Forms Packet
FREE: Home Buying Process Packet
FREE: Home Tour Viewing Packet
FREE: Agent Broker Buyer Services Packet

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