When you are ready to start your search for your new home, unless you plan to buy it with cash, you will need to obtain a loan. It is never to early to start this process, and actually you should have started this process before you start talking to Realtors. Your Loan Consultant should become your best friend. They will be able to help you determine what you can realistically afford and guide you in what needs to be done to obtain the best loan program possible while causing you the least amount of heartburn. With this information, your Realtor (ME), can avoid showing you homes that are not feasible to you which could otherwise be the beginning of an unpleasant buying experience. Buying a home should be fun. I want you to enjoy the process so I can have fun as well. When it comes to lenders, they are a dime a dozen, (Just like Realtors) You need to pick one that you can feel at ease with and know they have your best interest in mind. Most people don't have a clue where to start their search for lenders so they ask their Realtor for recommendations. This can be tricky. If I was to give you a poor recommendation it would reflect directly on me. Since I have been in business, I have had several lenders that I use to work with and no longer do because they didn't treat my clients right. Well, I DO have one now that I am extremely happy to recommend. I have been working with Barry Moore of People's Choice Mortgage, which is located in Fredericksburg Virginia for around 3 years. During this time, I have yet to receive anything except compliments about his honesty and customer service. Many of my clients have used him repeatedly or have recommended him to their friends. This is the Highest Compliment anyone could receive. If you have any Finacial questions please do not hesitate to give Barry a call. The highlighted links will take you to People's Choices website. In addition to the useful information located on their webpage. You can also COMPLETE AN ONLINE APPLICATION WITH BARRY which will save you valuable time. I personally recommend you complete the LONG FORM APPLICATION to save you the most time. I look forward to hear from you soon, Mark |