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Arranging Financing

An important ingredient in a successful home search is knowing how much you can afford. You don’t want to fall in love with a property only to find out it’s outside your price range.

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That’s why I recommend getting a Mortgage Pre-Approval. This is a document from your bank or other lender stating how much of a mortgage they are willing to give you. There are two advantages to getting this pre-approval:

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  • It gives you the peace-of-mind of knowing you can afford homes you view on the market, and won’t have problems arranging financing.

  • It’s a sign to sellers that you are a serious, prepared buyer – which gives you the edge when making an offer.

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You can arrange for a Pre-Approval with your lender, or by working with a good mortgage broker.  If you need suggestions for a lender or a broker,  let me know - I'll be glad to recommend a few.

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How Much Home Can You Afford?

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Banks and lenders use specific criteria to determine how much of a mortgage they’re willing to offer you. They look at your income, expenses, credit history and employment status, as well as the down payment you plan to make on a home.

 

It may seem like a scary process, but it is actually straightforward. You can usually get a Mortgage Pre-Approval in a day, and you’ll be glad you did.  By knowing what you can afford, you can confidently shop within that price range. For example, if you qualify for a $250,000 mortgage, and you have another $100,000 available as a down payment, you can look for homes in the $350,000 range.

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Audrey Wise, Realtor   |   JOURNEY REALTY GROUP, LLC

  828.674.2360    

Serving  Asheville,   Hendersonville   &  Surrounding Counties

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Hi There!

I'm Audrey,...Realtor, wife, mom, and owner of Journey Realty Group. If you're in the marke to buy or sell, let's talk!  We can discuss your current real estate needs, investments, or dreams for the future. . When working with us here at JRG, you can be assured of a solid work ethic, honesty, integrity and professionalism every step of the way.

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If you are a REALTOR who is curious to know more about Exp, please text or call for more info.  I'm a no pressure kind o' gal, and would love to chat with you about it on the phone or over lunch!

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