Loan Pre-Qualification/Approval
First and foremost, before any offer (Purchase Contract) is prepared for property, the buyer should consult a mortgage advisor to confirm the value of a loan they qualify to purchase a home.  Being pre-qualified/approved assist the seller in evaluating your offer.  You are making the first step in showing the seller that you are a serious buyer.

Down Payment
In the purchase offer, we will include the down payment amount you will apply toward the purchase. This will give the seller further evidence of your qualifications to secure a mortgage.

Interest Rate
Within the purchase offer, we will provide a safeguard against any dramatic change in interest rates between when the offer is made and when the loan is closed. The offer will not only be contingent upon qualifying for a mortgage, it will also be contingent upon an interest rate within a certain range.

Shopping for Interest Rates >

Seller Assistance
If the house you select is at the top-end of your budget range, you may want to include a request for seller assistance to pay a portion of the closing costs traditionally paid by the buyer or to help "buy-down" your interest rate.

When the seller assists you with  closing costs, "buy-downs" or other options, the buyer should expect to pay a higher purchase price.