Before you begin your home search, you'll want to talk with a lender to determine your budget and get pre-approved for a loan.  Of course you will need to fill out a loan application and provide documentation regarding your income, assets, debts, etc.  The  loan officer will also review your FICO scores and credit history.  The lender will then be ready to produce a Pre-Qualification form when needed.  The Pre-Qualification is attached to the offer we submit to the Seller.  It's the document that tells the Seller (and the Seller's Realtor) that you are qualified to buy their home.
It is also helpful to meet with a lender early on so that you know what your budget is.  There's no point in looking at homes you can't afford, only to then have to "settle" for lesser properties.  In addition, the loan officer will assist you in sorting through the many types of loan programs available, (Conventional, FHA, VA, etc.) as well as fixed vs. adjustable programs.   The loan officer will help you select a loan that best meets your financial needs and objectives.

I've assisted many clients in buying homes over the last few years, and I've developed strong working relationships with certain mortgage professionals.  I've found these providers to be dependable, trustworthy and competitive with their loan programs. (Contact Dave Bourland at (602) 300-2001 or (Contact Jeff Smith at (480) 917-0015 or             


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Realty Executives Chandler
2745 S. Alma School Road 4 • Chandler, AZ 85286
Cell: (602)284-8576 • Realty Executives Chandler
Fax: (480)786-3108