Why would I want to get pre-qualified to buy a house in Arizona? Well the answer is actually in the question. Why? To buy a house. Sure there are rare instances where a lender provided pre-qualification form was not used but in most cases your offer will not be reviewed or accepted until you are pre-qualified. Now here's the real problem....in today's limited market, the buying pool is more condensed. When this happens, you tend to see multiple offers submitted in days if not hours. So, when your perfect house comes on the market you are not posed with a large task of things to do and items needed . You simply electronically sign the offer and the pre-qual form and off it goes to be with the seller.
There are many different choices when it comes to picking a loan that is right for you and your current situation. Michael Martell with Stearns Lending would be glad to help guide you through the loan process....every step of the way!
Some of the programs Stearns Lending has to offer are...but not limited to,
USDA loans with no money down options
FHA Loans with low down payments and flexible qualifying guidelines
Programs for buyers with FICO scores under 620
Jumbo loans up to $3 million (limited to certain jumbo products)
Split premium MI and transfer of appraisals
Down payment assistance loans like the Home in 5 and the HFA
You can Apply Online today and get the qualification process started. Michael will reach out to you once you are finished. We will go over the next steps and what will be needed to get qualified.
We asked Stearns Lending to help us with some loan information buyers could use. We selected Stearns Lending because of the excellent service Michael and his entire Stearns Lending team provide.
We quickly set the wheels in motion!
21 -day closing.*
A quick close means you'll get into your new home sooner.
2. Jump start your house-hunting with a Pre-Approval.**
We can pre-approve you for a mortgage even if you don't have a home in mind yet.
This powerful TBD pre-approval puts you in the driver's seat when you're ready to bid.
Most of the paperwork is completed up front, so you get to the closing table faster.
*Closing times may vary based on various transactional factors such as borrower's document response time. **TBD Pre-Approval is for qualifying buyers whose property is yet to be determined. Supporting documents include 1 month pay stubs, W@ forms for the last two years, and other documentation that substantiates the borrowers' income and debt obligations derived from assets, self-employment and any other documentation the Stearns Lending, LLC requires. *** Top 40 Mortgage Lenders Rep. no 1Q15 Indside Mortgage Finance.
Author:Keith Judish Phone: 623-224-7956 Dated: August 6th 2016 Views: 756 About Keith: O'Keith Judish licensed REALTOR® with Realty ONE Group serving the West Valley and Phoenix Metrople...
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Owning a home has great financial benefits, yet many continue to rent!
"This Agent is first class all the way. He showed my wife and I what to do to get the most from our house. He even did a video of the house and put it on YouTube. Then he listed and sold our house in 9 days, cash buyer, 5K less than what we were asking. then within 3 days got us into a really nice rental at a good price. This guy is a really nice guy and offers first class service. That's really important to my wife and I these days, since it seems so hard to find. I HIGHLY recommend O'Keith Judish!"