How Much Can I Afford?
Getting pre-approval for a loan is easy and takes just a few minutes over the telephone. Many people are pleasantly surprised to find out how much a lender is willing to lend.
Getting pre-approved for a loan should be the first step in your home search for several reasons. The most obvious reason is that knowing what you can afford can make a difference in the size, quality, and location of the home you end up purchasing. There is no sense in getting your hopes up for a home that you love but cannot afford.
And, even if you think you know which homes you can afford, you should still get this pre-approval for two other reasons. First, some sellers will not even allow their house to be shown to buyers who have not been approved. Second, most sellers require a pre-approval letter when you make an offer on the home you want to buy. Sellers don't want to risk taking their home off the market for someone who is not a serious and able buyer. So, getting this pre-approval letter upfront allows you to make an offer on a home as soon as you decide to buy it (instead of letting it sit on the market while you try to get pre-approved).
People often ask us who they can talk to in order to get pre-approved. We recommend the following three home mortgage consultants because we've had plenty of experience working with them. We don't get any kickbacks or other incentives for recommending them. And, we've actually used these consultants for our own financing.
Joel Greer - Carolina One Mortgage
Office phone: 843-414-2489
Cell phone: 843-327-1575
Email: joel.greer@gbmail.com
Website: www.joelgreerloans.com
"I chose to work for Carolina One Mortgage because of the company’s unique setup – we close and fund all of our loans in-house. This means that we control the entire loan process from application to closing, ensuring as smooth a transaction as possible. Plus, I have the flexibility to shop over 400 different loan products in order to get the best rates and requirements for my clients. My goal is to simplify the financing process for you so that you can focus on finding your perfect home."
Joshua Feldman - Sun Trust Mortgage
Office phone: 843-958-1316
Cell phone: 843-364-5626
Website: www.JoshuaFeldman.net
"I am a native of Charleston, SC, and have been a part of the Mortgage Industry for the past 10 years! I am also a member of Countrywide's Circle of Excellence which recognizes the top 6% of Countrywide's Loan Consultants. I will always take time to assess your needs and help you choose the right loan for you."
Search for Charleston, SC Real Estate
- Waterfront
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- The Keadle Group
- Carolina One Real Estate
- Toll Free: (800) 804-2187
- Email us at keadle@thekeadlegroup.com