Working with a real estate loan agent, whether through your bank, credit union or independent broker is probably the most important step in purchasing a home. Without knowing what you can afford before your search begins will not only waste your time but it can also cost you the dream home you have been searching for.
In this competitive market, acquiring a pre-approval letter is crucial. Working with a local lender is just as important since listing agents usually prefer working with a local professional who they may know or have worked with AND who uses local appraisers. Online lenders or national banks may use out-of-area appraisers who may not fully understand the nuances of East Bay real estate valuations.
To understand why this is so important or to simply get more information on the loan process, feel free to contact one of the loan brokers I trust and respect:
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