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When it comes time to buy a home, your first step should always be to partner up with a reputable and seasoned mortgage company. Even before you start perusing listings in your area of choice and scoping out open houses, your first stop should be with a lender.
It’s important to get your finances in order before you start looking for a home and getting the mortgage process started. Doing so will help you get off on the right foot, and this usually starts with getting pre-approved for a mortgage.
Your mortgage company will help you get pre-approved for a mortgage before you begin searching for a new home. By getting pre-approved, you can determine exactly how much you can afford in a home purchase. This will help you focus your attention only on properties that are within your budget so you can avoid wasting time and disappointment.
Getting pre-approved with your mortgage lender will also help you get a leg up on the competition. Sellers prefer to work with buyers who have already demonstrated their financial strength.
There’s no sense in entertaining an offer from a buyer who won’t be able to go through with a deal because of the inability to secure a mortgage. Instead, a pre-approval letter will show sellers that you are serious and will encourage them to look favorably on you. This is especially helpful in a competitive housing market where multiple buyers are vying for the same home.
The mortgage lender that you choose to work with will help you secure a loan that best suits your needs and financial situation. From fixed-rate mortgages, to adjustable-rate mortgages, to FHA loans, to refinancing loans, and beyond, there is a mortgage program for you, and your lender can help you decide which one that is.
They’ll also help you get the lowest rate possible based on the loan type you decided to go with and your financial health. After all, a lower rate means less paid on your mortgage overall. Even a fraction of a percent can mean the difference between a few thousand dollars spent on your home loan.
You also want to pick a lender that is experienced lending in the area that you are buying in. These lenders will have in-depth insight and knowledge of the local real estate market and can help tailor your home loan accordingly.
Further, you want a lender who promises excellent customer service. After all, you’ll be dealing with your lender frequently throughout the mortgage process, so you want to know that you are working with a company that is easily reachable and is consistently working on your deal to make it happen sooner rather than later.
Luckily, there is one mortgage company in the Pacific Northwest that delivers all of the above: Sammamish Mortgage!
Since 1992, Sammamish Mortgage has consistently provided clients with superior customer service along with competitively low rates. Whether it’s your first home loan or if you want to refinance, our team of mortgage pros will help you to get the best mortgage for your financial situation. With Sammamish Mortgage, you can apply for a new loan, or refinance a current mortgage at any time from anywhere and from any device.
From competitive low rates to superior customer service, Sammamish Mortgage is here to help. Make your dream a reality and find your dream home today! Simply visit our website at www.SammamishMortgage.com or give us a call at 866-751-1439 and we will take care of the rest. Sammamish Mortgage – making the complex simple.
Are you thinking of buying a home sometime soon? Sammamish Mortgage can help. We are a local mortgage company serving borrowers in Washington state, Idaho, Colorado, and Oregon. We are proud to offer a wide variety of mortgage programs and products with flexible qualification criteria. Please contact us if you have any questions or are ready to start the mortgage application process.
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