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(EMAILWIRE.COM, June 29, 2013 ) San Diego, CA -- Shanne Sleder, a San Diego mortgage broker, recommends that first time home buyers get pre-approved before they start house hunting.
“People who get pre-approved for a home purchase will have several advantages,” says Shanne Sleder of The Mortgage Planners, “Not only will they know exactly how much they can spend on their first home but they will also have an advantage when putting in an offer.” Mr. Sleder highly recommends a pre-approval so that people in a competition situation can increase their chances of their offer being selected over a competing offer.
“Motivated sellers with more than one offer on the table will often accept an offer from someone who has their financing in order and can provide a pre-approval. By being pre-approved, home buyers can erase the doubt of the seller. It’s one less hurdle to worry about when you have your heart set on a home and when someone is highly motivated to sell.”
Researching Mortgages with Brokers and with Banks
Shanne also urged people to contact a local mortgage broker in addition to talking to their bank, “Talking to a San Diego mortgage broker can help San Diego residents see various options available to them. This can be particularly helpful when buying your first home. Your bank isn’t as likely to present you with as wide an array of options as a mortgage broker. A mortgage broker will present multiple options to you.” He explained. He says that The Mortgage Planners can offer info about numerous mortgage programs, including: Jumbo loans, FHA low down payment loans, VA loans, and more.
Sage Conditional Offer Advice
When asked about which types of conditions the buyer should put in their offer, he replied,
“Even though you are pre-approved, you will still want to leave the loan contingency in place, just in case your loan is not approved for some reason once the underwriter reviews everything. It is also advisable to require a home inspection --- even on a brand new home that has a lot of curb appeal. This helps you ensure that if the home has any major deficiencies, you can either renegotiate your offer or walk away”.
San Diego residents who are looking to finance a home can contact experts at The Mortgage Planners.
About The Mortgage Planners
The Mortgage Planners have been working to help people get the best San Diego mortgages possible since 2003. They offer help for first time home buyers as well as those needing assistance with refinancing, and reverse mortgages, too. The Mortgage Planners are affiliated with West Coast Mortgage, a local Direct Lender in San Diego with 15+ years of experience. Those wanting advice from a San Diego Mortgage broker can contact The Mortgage Planners. The Mortgage Planners are also on Twitter at https://twitter.com/TheMtgPlanners.
The Mortgage Planners
Shanne Sleder
619 312 0612
shanne@camortgageplanners.com 
Source: EmailWire.com
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