As your buyer agent/consultant we want to make sure you are fully informed about all the financial aspects of your new home purchase before you sign a contract to purchase. Having handled hundreds of buyer side transactions, we insist that you have a clear understanding of your financing options as well as a grasp of the monies required to complete your transaction (closing costs).

Speaking to a lender is a very important first step for both you and us. Your conversation with the lender will ultimately help us to structure your offer so as to insure the proper financial terms of your purchase and to protect your interests by electing the appropriate mortgage contingency. While you are free to get your mortgage from the lender of your choice, we can offer you a free mortgage consultation and mortgage pre-approval from today's largest lender- Wells Fargo Home Mortgage.

In a brief conversation and review of your credit report, one of the consultants from Wells Fargo Home Mortgage will familiarize you with the financial aspects of your next home purchase and explain the many financing options available to today's buyers. While this step of the home buying process is not glamorous, structuring the proper loan package for your needs will ultimately save you thousands, or maybe tens of thousands of dollars over the life of your loan (Do Not Take This Step Lightly). Ultimately we will need your pre-approval letter to accompany any offer we submit to a seller or a seller's agent to show your strength as a qualified buyer.

(In our opinion, Wells Fargo's pre-approval letters are the strongest financial documents that can accompany an offer to purchase)

In an effort to simplify this process for you, we have created a form that will provide all the information Wells Fargo will need in order to get you your FREE pre-approval. You will notice that this form requires signatures from the applicants which is a regulation. Your signature provides authorization and allows Wells Fargo Home Mortgage to obtain your credit information. IT DOES NOT ORIGINATE A LOAN OR A LOAN APPLICATION, AND DOES NOT OBLIGATE YOU TO DO ANYTHING FURTHER.

Please call us immediately if you have questions or concerns regarding the "pre-approval" process. We want you to be comfortable.