Helping you buy your first, next, and last home.
Home ownership doesn’t have to be hard!
Getting Pre-Approved
Income
Lenders use your income to determine your ability to repay the loan. They will review your employment history, salary, and other sources of income to determine if you have a stable income stream. They will also calculate your debt-to-income ratio to ensure that you have enough income to cover your monthly mortgage payments along with any other debts you may have.
Assets
Lenders will examine your bank account statements, investments, and other assets to determine your financial stability. They will also look at your down payment and closing costs to ensure that you have enough funds to cover the initial costs of buying a home. Having significant assets can make you a more attractive borrower, as it shows that you have a solid financial foundation and can handle unexpected expenses.
Credit
Lenders will review your credit history and credit score to determine your creditworthiness. Your credit score reflects your credit history and helps lenders predict how likely you are to repay your loan on time. A higher credit score can help you qualify for a lower interest rate and better loan terms, which can save you thousands of dollars over the life of your mortgage. It's essential to maintain a good credit history by paying bills on time, keeping credit balances low, and avoiding opening too many new credit accounts.
My goal is to ensure you are ready to take on the financial responsibility of owning a home.
“Fernando was incredibly helpful from start to finish through my home buying journey. He helped to ease my stress throughout the process.”
-Jessika (mortgage client)
Learn more about who I am and how I can serve you.