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Real Estate Financing
Assisting you with all of your Real Estate Financing Needs

Pre-qualify for real estate financing - This is the first and most important step in the home buying process. You can use your lender or call one of the companies that we work with on a daily basis. 

   

    First Community Mortgage - Gay Smith  254-394-6567

    Heights Mortgage -            254-699-6900

    First State Home Loan -      254-953-3800

    Market Street Mortgage -    254-289-5626 Jimmy Alexander

 

When pre-qualifying for a home loan, I always advise that you do not call one of those on-line companies.  It appears that EVERYONE will pre-qualify, but many times they do not come through with the loan.  This delays the closing, and sometimes cancels it all together!

 

 

Applying for a Mortgage - Real Estate Financing

Your Realtor can help you locate lenders that have experience in your market, are reputable and reliable, and will work to make sure that you understand the mortgage process. You can also ask people that you know for recommendations or check with the Better Business Bureau.

These are a few things to ask when interviewing lenders:

What type of loan products do you offer for my specific situation? Do you have First-time-buyer, New Construction, Government & Military Programs, Low Income, Investment Property, and Local Grants?

What is your current interest rate and how long can you guarantee my rate?

Is it possible to “buy down” the rate, and if so, what will it cost? If I do buy down the rate, what is the “break-even” point?

Can you provide me with a “Good Faith Estimate” detailing all of the costs involved?

Once you receive the necessary documents from me how long will it be before you can close this loan? In other words, what is your processing time?

Items to discuss with your lender:

Of you will qualify for more than you actually want to spend. Have your lender discuss with you what your total monthly payments will be based on a certain loan amount, or tell your lender the amount of money you are comfortable with as a total monthly payment. They can then suggest a price range based on your budget.

If you have cash on hand, discuss with your lender where the money should be spent. Since they have looked at your financial situation they can recommend the best way to use your money to your advantage, and it might not necessarily be on a larger down payment. Perhaps they may advise you it would be more advantageous to pay off a debt or buy your rate down. A good lender will show you how your money can work BEST for YOU.

Articles about Real Estate Financing

 

Resource Center

Search for Homes for Sale - Homes for sale in the Ft Hood, Belton, Harker Heights areas.

Our Listings - Our homes for sale in the Ft Hood, Belton, Harker Heights areas.

Articles - Many articles of interest to help you through the home buying and selling process.

Read Our Blog - Read the latest real estate and local news in our weblog.

Buying a Home - From first time home buyer to novice, we have lots of information on the home buying process.

Selling a Home - Tips that will help you to make the right decisions when selling your home.

Area Information - Everything you'd ever want to know about the Ft Hood, Harker Heights TX area, plus some.

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Financing Your Dream Home - Let us help you with the financing of your home purchase. 

Reference - Home Inspectors, Important Numbers, Odds and Ends

Find a Realtor - Need help finding a qualified Realtor in your destination city?

Testimonials - A few nice words from our clients

About Lisa Jay & Co.

Contact Us - We'd love to hear from you!

 
 
2206 E. Central Texas Expressway  |  Killeen, TX  76543
Real Estate Killeen Texas - Lisa Jay, Coldwell Banker United
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Lisa Jay is a licensed Realtor in the State of Texas.
Member of the Fort Hood Area Association of Realtors®

Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company.
Equal Housing Opportunity. Each Office Is Independently Owned And Operated.
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