Learn exactly what you can afford before you start searching for a home.
Buying a home has never been easier. We have worked hard to streamline the loan approval process to provide you with the best possible options available. Our team can get you pre-approved quickly and out shopping for your new home.
We do things differently here.
Before you even start searching for a home, it’s smart to get pre-approved for the value of your preferred type of property. Pre-approval handles much of the work involved in mortgage lending in advance. You’ll get a “Letter of pre-approval” which defines the maximum value you’re able to get and the proposed terms of your future mortgage.
A pre-approval letter is the next best thing to cold hard cash in your pocket. You can shop and negotiate on houses with confidence, knowing you can secure the necessary funds quickly and close the deal before other buyers can organize a competitive offer.
We have free online tools which can generate personalized mortgage offers by reputable banks and lenders. Our Loan Officers will decipher the complicated finance language, explain how the various terms affect your financial situation, and help you choose the most cost effective solution for your specific needs and goals. We monitor daily rates for all major mortgage providers and work with all types of loans:
Contact us today and start exploring your home finance options.
There is a quicker, but cruder way to gauge whether you can afford a given mortgage. The pre-qualification process reviews your total monthly debt as a percentage of your total gross monthly income. Your total monthly debt includes the proposed mortgage payment, your car and credit card payments and other fixed expenses. The result is a debt to income ratio (DTI), which banks and lenders use to determine if the proposed mortgage payment is affordable or not according to their standards.
Pre-qualification is not any sort of guarantee, as it doesn’t include any real evidence of your financial situation - credit reports, pay stubs, bank statements, etc. However, it’s a decent ballpark when you’re still in the early days of researching your future home purchase.
We can generate a pre-qualification quote for you in just a couple of minutes and all you need to do is submit a 30-second form answering a few basic questions.
Mortgage rates change daily. The maximum amount and terms of your mortgage depend on your unique financial status.
Click the button below to receive a free personalized mortgage quote for your specific situation.
RealMortgage Inc. uses cutting edge technology to streamline your loan approval. We have free online tools available to help you generate personalized quotes and compare options from a variety of lenders. Our Loan Officers are available to consult you on your options and to help provide you the specific options available to you for your financial needs.
Contact us today to accelerate your journey to your dream home!
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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
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Consumers Wishing To File A Complaint Against A Company Or A Residential Mortgage Loan Originator Should Complete And Send A Complaint Form To The Texas Department Of Savings And Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint Forms And Instructions May Be Obtained From The Department’s Website At Www.sml.texas.gov. A Toll-free Consumer Hotline Is Available At 1-877-276-5550. The Department Maintains A Recovery Fund To Make Payments Of Certain Actual Out Of Pocket Damages Sustained By Borrowers Caused By Acts Of Licensed Residential Mortgage Loan Originators. A Written Application For Reimbursement From The Recovery Fund Must Be Filed With And Investigated By The Department Prior To The Payment Of A Claim. For More Information About The Recovery Fund, Please Consult The Department’s Website At Www.sml.texas.gov.
