Stafford, Spotsylvania, Fredericksburg real estate and homes for sale in Virginia - Michael and Rebecca Straley, REALTORS® Michael and Rebecca Straley REALTORS(r) for Stafford, Spotsylvania, Fredericksburg, Virginia real estate - NUMBER1EXPERTS™ Michael and Rebecca Straley NUMBER1EXPERTS(tm) for Stafford, Spotsylvania, Fredericksburg, Virginia real estate
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Michael and Rebecca Straley, REALTORŪ, real estate agents and broker for Stafford, Spotsylvania, Fredericksburg Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)


PERSONAL ... PROFESSIONAL ... PROVEN! We bring the facts to your dining room table! Call 540-834-6263


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Michael and Rebecca Straley is one of The Top Selling Real Estate Experts™
Mortgage Prequalification: Stafford, Spotsylvania, Fredericksburg Virginia home buying, real estate listings, and homes for sale in Stafford County, VA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Stafford, Spotsylvania, Fredericksburg REALTORSŪ to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Real Estate Trivia
Q 
What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?

A 
Real Estate--it goes through cycles, but still has a long-term record of strong investment return.
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Michael and Rebecca Straley, REALTORŪ, real estate agents and broker for Stafford, Spotsylvania, Fredericksburg Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Michael and Rebecca Straley
ReMax

1171 Central Park Blvd. #200
Fredericksburg, Va. 22401
Primary: 800-723-5761
Cell: 800-657-0864
Toll Free: 540-752-7702
Fax: 540-659-1406
Voice Mail: 540-659-1238x123
Email: Rebecca@RebeccaStraley.com

Contact me and let's talk. My goal is to listen, give you facts, and help you make informed decisions. I represent your best interest, there is no pressure, just good old fashion "red carpet" service. We can move as slowly or quickly as you wish, but first you have to call...or drop me an email and I will take it from there. It couldn't be any easier. Look forward to the opportunity to serve your real estate needs.

Equal HousingMLSREALTOR


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