Find Out How Much Home You Can Afford!

Learn exactly what you can afford before you start searching for a home.

Home Purchase Without the Hassle

Ever took part in a bidding war for that dream home? The seller chose you, but the real race has just begun. You’re frantically contacting banks and lenders seeking mortgage approval. They’ve got you jumping through dozens of hoops, collecting bank statements, credit reports, organizing appraisals and all sorts of other processes.

This of course costs you a lot of time, effort, stress and we won’t even mention the rich variety of fees and charges you’re asked to pay. The days go by and the seller pressures you to hurry it up. At any point in time, you could lose your dream home to another buyer, but all you can do is hope that your mortgage broker and the bank can work out the details, before that happens.

We’ve seen this happen all too many times and we’re getting anxious just thinking about it.

Mortgage applications don’t have to be THAT stressful!

Welcome to

Real Mortgage

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.

Do I qualify?

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.

Get a Mortgage Loan Quote in Just 30 Seconds!

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.