Loans - Credit Score Driven

  • All loans are credit score driven. Lenders use the middle score from
    the 3 credit bureaus to qualify an applicant. So if you are shopping
    your loan based on only one score, you may be disappointed with  
    the final outcome.
#1 - Shop Your Loan

If you are in the market to purchase a home, the very first thing you should
do is to shop your mortgage and be Pre-Approved.

  • Sellers are reluctant to accept offers from buyers who are not Pre-
    Approved.
  • You may be shopping in a price range that is beyond the scope of
    your credit or your monthly payment limitation.
  • Conversely, a home in a higher price range with better amenities may
    be affordable.
  • There may be an unknown issue relative to your credit that may take a
    little more time to handle than the time allotted by the Lender to hold a
    rate lock. You could be faced with having to go to a higher interest rate
    and fees in order to have a home with which you've formed an
    emotional attachment... Or suffer the loss of  letting it go... Or suffer
    the financial loss of missing out on a good deal.
  • When you are ready to make an offer on a property, the contract must
    be specifically worded to comply with your financial limitations.
    Otherwise, your deposit may be put at risk if you are not able to
    perform.
Best Loan "fit" - Prior To Contract

  • There are so many options available to Applicants through the many  
    lenders with hundreds of different programs. Knowing which one is
    the best "fit" for your personal financial picture is essential. Shopping
    your loan within the short time period allotment in a contract could put
    you at a disadvantage.
Available nights and weekends by appointment
Phone 727-461-9090
after hours 727-422-7719
For a quick pre-approval, please click on the link below.