A number of factors determine the price range of homes you'll want to preview - one of these factors is loan pre-qualification.

As your agent, I will help you pre-qualify. Items considered when pre-qualifying for a mortgage loan include:

• Employment History
• Credit History and Scores
• Monthly Income and Expenses

Pre-qualification, however, is just the first step, to help you decide generally what price rangeyou are comfortable with and can afford and to anticipate possible problems with credit and/or cash.  

In today's market it is almost essential to be more than pre-qualified.   Most sellers and listing agents want buyers to be pre-approved, which means that buyers have done a complete mortgage application and the lender has verified everything and done his homework so he can say with confidence that the buyer is approved for the loan being sought.

I prefer to have the lender tell my clients the maximum they are approved for, and when a property is good enough to warrant an offer, we'll have the lender write a pre-approval letter taking that price into account, rather than give away how much more the buyer could afford.   We'll want the letter to be for enough more than the offer to assure the seller that the buyer is well-qualified, but not enough more to hurt the buyer's negotiation.  

With my knowledge of the mortgage market, I'll help you make an informed decision as to the type of loan you'll want. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans. We'll find the best loan for your situation.