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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team

If buying a home is part of your plans for the new year, then there’s no time like the present to get started. There are programs available to help finance your new home. Some programs help with down-payments and closing costs. Veterans can use their veteran benefits and additional help through available programs as well. If you’re looking for property in a rural region (outside cities) you might consider a USDA loan. Keep in mind there are requirements surrounding all programs so it’s best to contact your lender for individual help. While you’re working with your lender, be sure to get pre-approved. Remember, it doesn’t do you any good to shop for a home until you know exactly what you can afford to pay.

Loan pre-approval allows you to search for a home that you can afford based on your debt, income, and credit. An application and supporting financial documentation will be submitted to your Loan Officer, including pay stubs, tax returns, and account statements. Your Loan Officer will be able to tell you what they initially need based on your unique situation.

Your Real Estate Agent will thank you for being prepared before shopping for a home. With pre-approval, they’ll be able to filter out homes that are outside your budget. In this market, where homes don’t stay on the market long, it’s important to make an offer quickly. Because you’re prequalified, you’ll know that you’re making your best offer. Your chances of getting the house you want will increase greatly when you’re prepared and pre-qualified. Don’t wait, call Frank 303.450.1650, Jan 720.634.2409 and Mitch 720.634.2410.

Make Your 2018 Home Dreams Come True!

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The Giuliano Team at Academy Mortgage Corporation