When buying a home, you first need to get pre-qualified for a loan.
You are always able to get pre-qualified or get a mortgage with your own lender. They will take care of you by providing great rates and service. Getting pre-qualified determines what type of down payment or cash to close you will need, as well as how much your monthly mortgage will be? The lender can give you a good faith estimate that lets you know that you are pre-qualified and what it will cost you at various price points. In general once you get a good faith estimate every $10,000 up or down in sales price will change your monthly mortgage by approximately $50 a month. Just because you qualify for a certain amount doesn’t mean you have to spend that much so be sure you stay within your budget. Once you know the numbers, then it’s time to start looking for your new home.
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