The SMARTEST process for buying a home is to start by obtaining a pre-approval. What is a pre-approval? A mortgage pre-qualification can be useful as an estimate of how much you can afford to spend on your home, but a pre-approval is much more valuable because this means the lender has actually checked your credit and verified your documentation to approve a specific loan amount.

While you can use ANY lender you want, Esteem Team Properties can refer you to a lender, with whom we have shared several successful real estate transactions. By the way, we have NO vested interest with our lenders. By law, we don’t get paid by the lender. What we get is a continued peace of mind that when our lender says you’re qualified…..you’re qualified! To date, there have been NO surprises. Also, when our lender says additional information is needed, then, we can’t move further until you supply that information. The last thing we want is for you to be disappointed by not getting your home, especially when it was preventable.

Fortunately, you can buy a house for as little as 3.5% down, and in some cases even for no money down. Seriously.(smile)

For starters, and it is completely free with no strings attached, go to www.integr8tivelending.com and look to the left column where it says, “Full Application”.  Complete this easy, online application.

You will then be contacted by our exclusive lender for California, Karyl (pronounced Carol) Gately of Integr8tive Lending, who will let you know what’s what. I have included her in this email, kgately@integr8tive.com, so that she will be looking out for your application.

I absolutely LOVE teaching clients how to achieve the desires of their heart.(smile) I look forward to working with you.

 

Stephan Scoggins, Broker

Esteem Team Properties

DRE #01773493