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| In General.... |
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| A home purchase may be your largest financial
transaction to date, so it's important to make the right decisions and to
keep an eye on the details. With the assistance of your Real Estate Agent
and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding
experience. |
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Count On Your Real Estate Agent To:
- Preview available homes to weed out those that are overpriced, or
undesirable in some other way.
- Present the homes that suit your needs as you've defined them.
- Help you determine the difference between a "good buy" and a property
which, because of its nature (neighborhood, market appeal, etc.), might
have to be discounted if you decide to sell in the future.
- Negotiate the best deal for you. With a Pre-Qualification letter from
Bradford Financial Inc. in hand, your Real Estate Agent will
be able to demonstrate that you are a qualified and capable borrower.
This will strongly influence the Seller, and may make the difference
between the Seller accepting your offer or someone else's -- even if
your offer is lower!
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Count On Your Mortgage Broker and Loan
Officer To:
- Assist you in selecting the best loan to meet your personal situation
and goals. (This single decision can save you thousands of dollars throughout
the years!)
- Keep you informed of your loan status throughout the entire process.
- Keep your Real Estate Agent informed of your loan progress (Note:
your personal information is always kept confidential between you and
Bradford Financial Inc.; only deal points and progress are shared).
- Get the appropriate loan for you at the best rates and fees. This
will save you significant money "up front" and throughout the years
to come.
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Count On Yourself To:
- Keep your Real Estate Agent informed of any questions or concerns
as they develop.
- Keep the process moving by providing documentation and decisions as
soon as reasonably possible. By doing so, many of the details are taken
care of early in the process so you can comfortably concentrate on any
last-minute details or events that require your attention.
- Enjoy purchasing your home, but do remain objective throughout --
to make the business decisions that are best for you.
- Make sure you are pre-approved as early as possible. This will put
the power of financing behind you so you can concentrate on selecting
your home.
- To understand how your credit affects your loan terms, order your
FICOŽ score and credit report today.
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