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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.

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

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Gaithersburg real estate agent to offer services such as these.

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

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

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Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What area in the U.S. has been referred to as the "American Riviera"?
A	Miami Beach in Biscayne Bay is Florida's pre-eminent place for "people watching" and a hot spot for celebrities.
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Sandra Lillywhite, REALTOR®, real estate agent and broker for Gaithersburg, Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandra Lillywhite
RE/MAX Metropolitan Realty
North Potomac Office, 345 Main Street
Gaithersburg, MD 20878
Cell: 301-275-5444
Office: 301-947-6500 x.119
Fax: 301-519-2450
sandralillywhite@number1expert.com
sandralillywhite@remax.net
lilwhte@erols.com
Sandra Lillywhite has been a top, full-time professional in the real estate business in Montgomery County since 1987. She has been ranked in the top 10 for homes sold in Montgomery County out of 4,000 Realtors and continues to be ranked Top 1% Nationwide. Sandra has earned the respect of not only many satisfied clients, but also of the real estate community. Specializing in relocation services, Sandra's personal commitment to excellence has positioned her as a top agent and has provided her with the networking skills necessary to ensure your satisfaction in your next property purchase or sale.

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