When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. In
a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. In such a crazed
seller's market, it's not uncommon for a home seller to receive multiple offers on their property. With that said; there are
certain things you can do to make certain that your offer is the one Seller goes with.
The vast majority of Purchaser's today go about the process entirely wrong, putting themselves at an overwhelming
disadvantage!
Let's look at this from the Sellers perspective for a moment. If you were the Seller and had multiple offers
on your property, all things being equal, would you accept the one with Certificate of Financing Approval or the one that
was still conditional on Financing? The answer is obvious. Why then, do so many buyers wait to start the financing until after
they have found the home?
What I have found is that those buyers are usually very good, qualified buyers and are not worried about getting
approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.
Lastly, from a cost savings perspective...
As a prospective purchaser, it makes all the more sense to start the financing early on so you can get a firm
handle on your interest rate and estimate of points and closing costs. If you do this before finding a home, you are not under
any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints.
Should you decide that you wish to take advantage of Pre-Approval, simply complete the confidential mortgage
application. We will locate the absolute best mortgage rate and lowest closing costs possible and process your application
without any cost or obligation.
Call me with any real estate questions or concerns...(866) 790-0022
Specialty Counties:
Placer County CA, Nevada County CA, Sacramento County CA, Marin County CA, Sonoma County CA, Napa County CA, San
Francisco Greater Bay Area
Superb Professional Service = hard work, low pressure, &
market knowledge
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I focus 100% of my efforts on delivering the most competent, money-saving, and hassle-free service to you. This way I'm able
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need a caring and competent Realtor. I want your business for life!" Ginger Hopp