Mortgage Solutions for First Time Home Buyers

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When you fill out a mortgage application, you're giving lenders a better understanding of your financial situation and helping them determine if you qualify for a home loan. It's the first step in the process of buying a home, and it asks for details about your income, debts, assets, and employment history according to the lender's requirements. If you’re self-employed, the process might involve additional steps, much like the unique requirements for self-employed borrowers, but I can guide you through it all.

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Full transparency, while gathering documents is not the most exciting aspect of the home-buying journey, it cannot be avoided. Applicants are required to provide supporting documents, such as proof of funds for a downpayment, bank statements, paystubs, letter of employment, tax forms, authorization for a credit check and a government-issued photo ID.If you're buying an additional property, the paperwork might differ slightly, similar to the requirements for an investment property. I'll ensure everything is in order for your specific needs.

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My main goal is to help you find the best mortgage products and rates on the market. Once you've completed your mortgage application and provided all necessary documents, I will conduct thorough research to find the perfect lender for you.

Working with a mortgage broker, mortgage professional or mortgage agent like myself ensures that you have access to a wide array of mortgage options and you can shop with confidence knowing that you're getting the best deal possible. I will also provide guidance on how much you qualify for, so you can start your home search with a clear understanding of your budget.

It's important to keep in mind that while a mortgage pre-approval is a great first step, it doesn't guarantee final approval. There are other factors, such as property appraisal, title search, and meeting underwriting conditions, that play a role in securing your mortgage loan. However, as your trusted mortgage agent, I will be there every step of the way to help you navigate the process and ensure you get the home of your dreams.

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When purchasing a home, representation from a lawyer ensures that the borrower’s interests are protected. The lawyer will provide legal advice during the entire home-buying process. Also, the lawyer manages the closing costs, such as transfer taxes and property tax set-up.