Assisting you in determining the appropriate price range by thoroughly reviewing your financial portfolio. This includes evaluating your verified income, credit history, employment, and liabilities. Coach Rob is here to help you identify a price range that aligns with your financial situation and ensures you can comfortably afford your new home.

There are no upfront costs for starting a mortgage application or obtaining a pre-approval letter. However, you should plan for potential costs when closing on a home. These may include closing costs, fees, and other expenses. We offer numerous resources to help you prepare for the financial aspects of purchasing a home.

Closing costs and fees typically range from 3% to 6% of the home’s purchase price, though the exact amount depends on various factors. These costs may include expenses for appraisals, title insurance, and other fees. It’s essential to plan ahead for these costs. However, there are strategies to reduce this financial burden, such as negotiating seller assistance or rolling certain costs into your monthly payments.

While often confused, pre-qualification and pre-approval are not the same:
• Pre-qualification: An initial estimate of the loan amount you might qualify for, based on basic financial information you provide.
• Pre-approval: A verified, official determination of how much you are approved to borrow, based on a comprehensive review of your financial documents.
Getting pre-approved is an important step to strengthen your position as a buyer and improve your chances of securing the home you want.

Your credit score is a critical factor in determining your eligibility for a loan. Lenders rely on your credit score to assess your ability to repay the loan and your history of on-time payments. A strong credit score demonstrates reliability and can help you qualify for better loan terms.

The credit score requirements vary depending on the loan program. Don’t rule yourself out of homeownership! Reach out to our team to explore loan options and find a program that fits your situation.

Absolutely! A 20% down payment is not a requirement for purchasing a home. We offer a variety of low-down payment programs to help make homeownership more accessible. Our team will work with you to develop a personalized strategy that fits your needs and budget.