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HOW DO YOU GET A GREAT MORTGAGE??
YOU MUST LOOK BEYOND THE NUMBERS!!

A. ASK FOR RECOMMENDATIONS:
   
  We suggest not working with a mortgage lender without a referral.  It is critical that your lender is honest and experienced.  It is also important that your lender possesses current information regarding new mortgage products and their ever changing rules.
   
B. SURPPRISES ARE NICE BUT NOT IF IT’S ABOUT YOUR CREDIT!!:
   
  Do not let surprises with your credit stop you from buying your dream.  Check out your credit and if there is a problem, your lender can give you an action plan to make the necessary changes.  If you address your credit issues early, you will not be disappointed later.
   
C. DO NOT FORGET TO CONSIDER YOUR FUTURE:
   
  Today, there are many mortgage options available; however, you need to know what is right for you and your future.  Ask yourself the following questions and then discuss them with your lender:
   
 

1. How long do you plan on living in your new
     home?
2. Do you want to retire there?
3. Can you rent your existing home or do you
      need to sell it?

   
D. PLEASE PREPARE A BUDGET:
   
  It is critical that you understand your existing and future expenses! Your cash flow must be managed properly for your peace of mind.  Review your budget with your lender because often little items are missed which can come back to haunt you.
   
E. YOU ARE SMART ENOUGH TO KNOW…IF IT SOUNDS TO GOOD TO BE TRUE, THAN IT PROBABLY IS!!

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