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There is more to
understanding the home purchase process than
simply finding a home, making an offer, and
closing the deal. That's why Regal Mortgage of
the High Desert is here to make things easier on
you. |
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What can you afford? |
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The first part in the home purchase process is
finding out how much home you can actually
afford. This is based on how large a down
payment you have and what kind of monthly
payments you can afford. When you contact us,
we'll work with you to compare your monthly
income with your monthly obligations (debts) and
determine how much you'll have available each
month to spend on a home loan.
This information will give you a great place
to start. It also means you're less likely to
suffer the heartache of falling in love with a
home you can't afford. |
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Documentation |
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We'll
tell you exactly what documentation you'll need
to have on hand when the time comes to secure
your loan. We'll even pre-qualify you. Being pre-qualified means
you have conditional proof of your ability to
get a loan from us up to a certain amount, which
puts you one step closer to a purchase. |
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Current pay stubs for the
past sixty days |
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Most Recent Year W2 |
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Two months current bank
statements for checking and savings accounts |
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Last quarterly statements
for all retirement and mutual fund accounts |
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Finding Your Dream Home |
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Now you're ready to house hunt. Find the house
you can afford and wish to purchase, make an
offer, and come to an agreement. However, prior
to beginning the house hunting process, you
should consider working with a real estate
agent, who will represent your interests.
This individual should be able to provide you
with valuable information regarding the
neighborhood of your dream home, current housing
prices, negotiation advice, etc.
We will be happy to suggest an agent that we
have worked with and that has successfully
helped others to find their dream home.Regal Mortgage will
promptly process your loan application and if
all requirements are met, soon you'll be one of
America's new homeowners. |
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CA Dept. of Real Estate – Real Estate Broker
01381171
Offer of service is only valid in California -
Licenses/Disclosures
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