Your Area Experts

Unless you've spent the last few months in seclusion, you've been aware of the changing real estate market.  Yes, it is a buyer's market!  However, real estate has been around for many, many years and the market is forever cycling itself -- from seller to buyer -- back and forth.

Many of your family and friends can remember the 80's when the interest rates were double digits and people were happy to get a mortgage at any rate.  Current rates are quite stable and people are always moving, whether it be to downsize, upsize, family circuimstances change, jobs change.  So, the real estate market will be here long after you and I are not.

That said, the first thing you have to do is get a pre-approval letter.  This means that the lender has already verified your credit, income and assets.  It is a powerful tool, when presenting an offer on a property.

It indicates that the lender is willing to give you the money for the home.

This is not the same as a pre-qualification letter.  The pre-approval is what the seller and agent are looking for.   That said, there are many lending institutions that offer a variety of mortgage products, so it's important that you shop around to ensure you get the mortgage that best meets your needs.

We would be happy to refer you to some very good mortgage contacts  or to help you in any other way we can to secure the best possible rate for your home purchase.