Sandie understands two very important
principles about buyers and home loans:

1) Most buyers are uncomfortable discussing their personal finances and
2) An offer to purchase a home without a letter of pre-approval is a weak offer.

If you seriously want to buy a home, you must overcome principle number one! Absolutely nobody can buy a home without disclosing their financial circumstances to someone.

During the initial consultation, the issue of financial qualification will come up. But we're not nosey; we don't personally need to know your entire income, expense and credit history. But we do need to be assured that you are taking the steps to become financially qualified by a lender to buy a home before you actually go shopping. Which brings us back to principle number two.

Making an offer when you have a loan pre-approval letter at hand, is the same as making a cash offer. Sellers weigh offers based on the strength of the buyer's financial capacity to actually complete the transaction. A pre-approval letter tells the seller that you can in fact buy the home! This is the strongest position a buyer can be in.

We want to make it easy for you to overcome any discomfort that you may feel when you start to talk about your finances. For this reason, we have provided an on-line mortgage self-pre-qualification form. Just follow the instructions and you will have a good idea as to how much of a monthly home loan you can comfortably manage, and how much of a home purchase price you can afford.

Please understand, there is a difference between pre-qualification and pre-approval. A pre-qualification simply means that, from the figures you provide, you should be able to qualify for a home loan of a specific dollar amount. A pre-approval means all of this plus the lender has confirmed credit history and verified income, assets, liabilities and source of down payment funds.

If you do not have a relationship with a mortgage lender, we can help you to get pre-approved by introducing you to lenders whom we trust and recommend. While you are under no obligation to use any lender we might recommend, we have developed very close associations with lenders who have proved themselves over and over to be reliable and competitive in their dealings with Sandie's clients. We highly recommend that you consult with our recommended lenders as a starting point to compare loan rates and terms. Then, you become a more informed consumer able to make informed decisions about your home loan.

Some of the reasons we recommend certain lenders over others include;

1) History of reliability; the lender has demonstrated consistent performance over a prolonged period of time.
2) Competitive rates and terms; the lender consistently quotes Sandie's clients the most competitive loan products on the market.
3) Timeliness of service; the lender has demonstrated an ability to complete all loan commitments to deadline so that transactions close on time.
4) Personal service; the lender has demonstrated an unwavering commitment to providing Sandie's clients with the highest level of personal service.

These are just a few of the benefits you can enjoy by consulting with one of Sandie's recommended lenders. Again, there is absolutely no obligation to use our recommended lenders but you should certainly allow them the opportunity to earn your business. Please contact us directly for the names and phone numbers of our recommended lenders.

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