Obtaining a mortgage with Legacy Lending U.S.A.
When making an offer on a home you want to have the upper hand in negotiating. Ensuring that you have been pre-qualified for maximum home buying power will allow you to be confident in your ability to make an offer on your dream home. When you submit an offer to purchase a home with your realtor Peter Labodi, it will show the seller that you are prepared to purchase. A pre-qualification is the first step on your pathway to homeownership.
To become pre-qualified for a home loan, please contact James Caskey today regarding the on-line application and he will contact you immediately to discuss the details. You will likely have a pre-qualification the same day!
Loans offered: VA, FHA, USDA, Renovation loans, Bridge loans, Adjustable Rate loans, Down Payment assistance available.
Canadians obtaining a mortgage in the U.S.A.
Our lender at Washington Federal is very familiar with Canadians obtaining loans for U.S. property. Becoming pre-approved in the U.S.is required and is a fairly simple process, but different than in Canada or elsewhere. In the U.S., the debt verses income ratio is our guideline for obtaining approval, meaning that income is an important factor. In Canada, sometimes your asset base is used to affect the decision. When you submit an offer with your Realtor Peter Labodi, a pre-approval is required. It will show the seller that you are prepared to purchase and they do not need to worry about your ability to afford the home.
Guidelines are constantly changing Washington Federal today. The first step will be to complete the residential mortgage application. This can be done over the phone in 30 minutes or less or a copy can be faxed or emailed for you to complete.
They offer, adjustable rates, some with as little as 30% down. You can use the funds for second home or investment property (requiring higher down-payment and higher interest rates).
Call (602) 290-3324 to discuss or contact me below
