The best way to begin the search for your new property is to visit with a mortgage professional.  With a quick phone call and a few questions they will be able to estimate the mortgage amount for which you qualify. They can explain all of your mortgage options including no or low down payment programs, adjustable rate mortgage (ARM) programs and no documentation or low documentation programs.   

After you have met with a mortgage professional you will be given a pre-qualification or pre-approval letter.  Including this letter with your offer on a property greatly increases your chances of having your offer accepted by the seller. 

There are many mortgage professionals out there.  Choosing the right one is a critical step in the home buying process. Some mortgage professionals are brokers and can offer you mortgage programs from many different lenders and investors.  Others are employed directly by an individual bank.  Either way, it’s important to take the time to interview each mortgage professional and to understand the programs they offer and the costs associated with the mortgage. 

I would be happy to explain this process in greater detail as it relates to your personal needs.  I can even provide you with the names of a few mortgage professionals so that you can get the process started.  I have also provided some interesting mortgage/credit articles for your reading pleasure.  Thank you and I look forward to working with you on your real estate purchase.