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The Importance of Prequalification and Pre-Approval

The Home Purchase Process Getting Prequalified for your Kingsland, Georgia home is one of the most important steps, so I will show you how you can take that most important step RIGHT NOW, in just a few minutes over the phone.  Once you are Pre-Qualified, you will have confidence when you go online searching through homes knowing the right range to search in.  Nothing can be more frustrating than looking at $250K homes, only to find out you only qualify for $225K or even worse there may be something preventing you from qualifying right now.  All of which can be eliminated by picking up the phone, and there is NO OBLIGATION or fee involved. Our Mortgage Specials will take care of you from beginning to end. To get started, choose one of our Highly Qualified Mortgage specialists, pick up the phone and tell them Banks asked you to call. Also, before we get into terms, understand any lender can promise a low interest rate, but in order to offer that TEASER RATE, they charge you Discount Points, so don't get fooled by the company trying to get you in the door.  Then, some of them will start piling on additional charges using the low rate as justification when they are already charging you to buy the rate down.  Our Specialists will shoot you straight and they can match any rate advertised that is a true dollar to dollar commparison of your money! The Process Our Mortgage Specialists help you through the home purchase process in four easy steps: Get pre-approved. You'll receive a pre-approval decision in as little as 20 minutes! Contact us and we'll give you a same-day loan decision. Find a home. Call us when you've found a property. With a wide variety of products to choose from, we'll find the loan that's right for you. For added peace of mind, we offer Pre-Purchase Rate Protection, which safeguards your interest rate against market fluctuations and gives you the option to lock in a lower rate if rates drop.* You can search for Kingsland, Georgia homes for sale online on this site to get an idea of the homes that are available in your price range and then we can schedule a personal tour for each of the Kingsland homes of interest. Return documents. Review your loan package, make any necessary changes and return the signed documents to us. Close on time. As part of the best service guarantees in the mortgage business, We'll meet your requested closing date or we will reduce your interest rate by 1/8 of one percent for the life of the loan.* For a more detailed explanation or to get pre-qualified for a Kingsland, Georgia Home, refer to our Mortgage Specialist page to choose one of our Highly Reliable lenders to get started. Determine how much you can afford This is an important first step on your road to home ownership. Three key costs to consider are: Down payment — The part of the property purchase price paid in cash and not financed with a mortgage. One thing to consider is that the larger your down payment, the lower your monthly mortgage payments will be. Closing costs — Cash due at closing for expenses you and the seller pay to complete the transfer of ownership. Closing costs are typically based on the home price and vary according to location. They might include an origination fee, attorney's fee, initial escrow payments, and charges for obtaining title insurance and a survey. Monthly payments — When you are approved for a mortgage loan, you make a commitment to pay back the loan on a monthly basis. Your payment is based on both the principal — the amount of the loan — and interest — the amount you pay to borrow money, calculated as a percentage of the amount borrowed. It also includes money that may be held in escrow for taxes, homeowner's insurance and mortgage insurance. Why Get Pre-Approved for your Kingsland, Georgia Home Take a few minutes to call a lender for a pre-approval decision and your Kingsland home buying experience will be easier from start to finish. Once you're pre-approved, our lenders immediately fax or e-mail a pre-approval letter with your loan amount, so you can start house hunting right away. In fact, most real estate agents will ask you to get pre-approval before they show you homes. You and the agent won't waste time looking at houses that are too expensive because you'll know for sure which houses are in your range. You'll place every bid with confidence because you'll have the letter—and the financing—to back it up. All of which helps you stay more focused on finding the dream hope you can make a reality.   For more information, refer to our Mortgage Specialists page and get started on your Kingsland, Georgia Home Purchase Today!   †Mortgage loans are subject to qualification, receipt of satisfactory appraisal and verification of income, asset and debt information provided by the customer. *If you have selected a property and lock between five and 60 days prior to closing. **Approved, conventional, purchase loans only. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Timely request for adjustment under guarantee is required. Not all programs are available in all areas.

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.