You've found the perfect house. Now what?

We'll let Mike explain in the video below:

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Call Mike Demaio at Eagle Home Mortgage Today


Why Do I Need To Find A Lender Now?

The joy of finding the perfect house can be exhilarating. You've finally discovered that perfect place to call home, and you need to snatch it off the market now. So you turn to the next step, which is financing one of the biggest purchases you may ever make. Buying a home requires money - in most cases, more money than you have ever spent in your life.  Wouldn't it be awful if the the "wheels fell off" at this point? Unfortunately, that's what happens to many people at this stage. Imagine playing "20 Questions" with a lender, wading through endless piles of paperwork and approval processes, with your anxiety growing every time you think about someone else putting an offer in on your dream home while you squirm in a lenders office trying to get financing pushed through. You can get right up to the point of buying your dream home and then get stuck in a financing nightmare. The result of these scenarios is almost always bad. You either find out that you have a bunch of hoops left to jump through, or even worse, that you aren't qualified to buy that home. All the while, you're wasting precious time scrambling to get paperwork in order while it feels like your new home is slipping away.

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The good news is that you can avoid all of that mess by getting pre-approved for a loan.  This simply means that you put the work in before it's "crunch time" and when you find the house that is absolutely perfect for you there is no wasted time messing around with unnecessary financing paperwork. As Mike explains in the video above, it's pretty difficult to have a cookie cutter approach to financing. And if you actually want a lender who's worth their salt, you wouldn't want them to cut corners like that anyway. There are just WAY TO MANY unique situations that home-buyers face these days, and having a conversation with a lender is essential to plotting out the best plan of attack when it comes to your financing.

Your best course of action is to get PRE-APPROVED for a loan. A lot of people can get pre-qualified for a loan, but that's quite a bit different from getting pre-approved. Getting pre-approved involves a conversation with a knowledgeable lender about your specific financial situation. You'll get as as much of the required paperwork as possible out of the way ahead of time so that your lender has that information ready to go when you want to purchase a house. Getting pre-qualified is only the very beginning of that process. But many people don't know that, and end up regretting the fact that they didn't talk with a lender about the difference. Taking the time up front to become pre-approved will help you move quickly and efficiently when it comes time to make an offer. Whether you are a first time home buyer or a seasoned veteran buying your next investment property, having your lending taken care of in advance will lead to less headaches for you.

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Mike Demaio
Mike Demaio

Cell Phone: 253-232-2965

Email: Website: NMLS #107797