Getting pre-qualified for a home loan
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The first thing you need to do before starting your home search is to get pre-qualified with a good loan agent. This will take about 10 minutes over the phone. You will need to provide your social security number so he/she can run you credit report to check your credit score. You will then have a good idea of what the current loan rates are and how much of a loan you qualify for. Your loan agent will tell you what you will need to collect for her / him to fully pre-qualify you. This will include (but will not be limited to) tax returns, bank statements, existing debts. This should be done before an offer is accepted.
Below is a list of great, local loan agents my past clients and I have had wonderful experiences with.
Mark Johnson
Mortgage Consultant
Homeservices Lending
1170 Coast Village Rd.
Montecito, CA 93108
MAC M0951-011
(805)879-5009 Telephone
(805)448-6094 Cell
(855)232-9344 Fax
Contact by Email
Visit Website |
Laina Mayfield-Condron
Private Mortgage Banker
Wells Fargo Private Mortgage Banking
MAC E2336-011
1482 East Valley Road,
P.O. Box 5189
Montecito, CA 93108
(805) 695-7207 Telephone
(805) 886-7494 Cell
(866) 643-7007 Fax
Contact by Email
Visit Website |
Douglas Butler
Senior Loan Officer
Prospect Mortgage
NMLS# 261472
23975 Park Sorrento, Suite 110
Calabasas, CA 91302
(818)657-6533 Telephone
(805)732-2187 Cell
(877)297-2881 Fax
Contact by Email |
Rob Thayer
Mortgage Consultant
(818) 222-9849 Telephone
(818) 512-7517 Cell
(818) 222-5137 Fax
Contact by Email
Visit website |
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