Do you get overwhelmed thinking about the amount of paperwork you need to provide for a pre-approval? Yet every day you're putting off the pre-approval, the fear of the ever-rising home prices keeps weighing on you? Look no further, getting the BEST RATES to turn your dream into reality can be a painless loan process. Now I didn't say I've the magic wand that can whiz away the necessary paperwork.
BUT I'll get you prepared and educated. So you can breathe a sigh of relief knowing I won't be chasing you down for a new bank statement every 3 days. If you are in the market for a loan and ready to experience the mortgage bliss, book a call with me TODAY and let's talk!
BUT I'll get you prepared and educated. So you can breathe a sigh of relief knowing I won't be chasing you down for a new bank statement every 3 days. If you are in the market for a loan and ready to experience the mortgage bliss, book a call with me TODAY and let's talk!
Services
When it comes time to purchase your dream home, there are lots of things to consider.
You've a lot of choices out there and choosing the right person to work with is an important first step.
Hi, my name is Catherine Sun.
I've over 15 years of experience in the industry to readily offer you the consultation you need, answers to questions you have, AND answers to questions you might not even be aware of!
I'm passionate about customer service.
Honesty and mutual trust are what I look for in people I work with.
You've a lot of choices out there and choosing the right person to work with is an important first step.
Hi, my name is Catherine Sun.
I've over 15 years of experience in the industry to readily offer you the consultation you need, answers to questions you have, AND answers to questions you might not even be aware of!
I'm passionate about customer service.
Honesty and mutual trust are what I look for in people I work with.
Disclaimer: If you have less then 20% equity in your home, mortgage insurance could be required.
Calculations by this tool are believed to be accurate, yet are not guaranteed.
General Mortgage Capital Corporation does not guarantee any information that is calculated from this web site.
Rates and programs are subject to change without notice.
APR on ARM rates are subject to increase/decrease.
Calculations by this tool are believed to be accurate, yet are not guaranteed.
General Mortgage Capital Corporation does not guarantee any information that is calculated from this web site.
Rates and programs are subject to change without notice.
APR on ARM rates are subject to increase/decrease.
Buying a home is a big decision, the more prepared you are, the less stressful the process will be.
With so many programs to choose from, each with different rates, points and fees, an experienced mortgage professional can evaluate a borrower's situation and recommend the most suitable Mortgage Program.
Thus allowing the borrower to make an informed decision.
Once the application has been completed, credit report, appraisal and title report will be ordered.
The information on the application, such as bank deposits and payment histories, are then verified.
With so many programs to choose from, each with different rates, points and fees, an experienced mortgage professional can evaluate a borrower's situation and recommend the most suitable Mortgage Program.
Thus allowing the borrower to make an informed decision.
Once the application has been completed, credit report, appraisal and title report will be ordered.
The information on the application, such as bank deposits and payment histories, are then verified.
Down payment can be as low as 3% for First Time Homebuyers with credit score of 620 or above.
As low as 5% down for other qualified buyers.
Advantages associated with the program type.
Could be harder to qualify for as compared to other options (based on credit requirement, etc.).
Disadvantages associated with the program type.
Offer options when loan amount is over the conforming loan limit, especially helpful in higher cost areas.
Upfront and monthly mortgage insurance required.
Might be harder for condo buyers if the project is not already on the FHA condo approved list.
As low as 5% down for other qualified buyers.
Advantages associated with the program type.
Could be harder to qualify for as compared to other options (based on credit requirement, etc.).
Disadvantages associated with the program type.
Offer options when loan amount is over the conforming loan limit, especially helpful in higher cost areas.
Upfront and monthly mortgage insurance required.
Might be harder for condo buyers if the project is not already on the FHA condo approved list.
This is the process of determining whether a customer has enough cash and sufficient income to meet the qualification requirements set by the lender on a requested loan.
It is subject to verification of the information provided by the applicant.
A pre-qualification is short of approval because it does not take account of the credit history of the borrower.
The pre-approval process is much more complete than pre-qualification.
For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter.
It is subject to verification of the information provided by the applicant.
A pre-qualification is short of approval because it does not take account of the credit history of the borrower.
The pre-approval process is much more complete than pre-qualification.
For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter.
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