If you are looking to buy a new home one of the best steps you can take first is to get pre-approved for a home loan.  Certainly that is no mystery and something that could have gone unsaid but I wanted to mention it for several reasons.  First I wanted the opportunity to let everybody know that if you are searching for a home loan in Council Bluffs or the surrounding area I've found a very responsive loan officer that is ready to help you with your home financing needs.  Amanda Barrett of Western Horizons Mortgage Group LLC of Council Bluffs can help you with the process.  Amanda has available a full line of mortgage products including

• Fixed and Adjustable Rates

• Low and No Down Payment

• Low Documentation/ Reduced Paperwork Loans

• Reduced Rate Options

• No and Low Equity Refinancing

• Home Equity Lines of Credit

Best of all Amanda is available for evening and weekend appointments.  She can be reached at her office 712-388-8888 or toll free at 888-880-8510.  You can find more information on their website at http://www.whmgllc.com/ where you can also apply for your home loan online.

The second reason is for the sake of ease and speediness.  When you have applied for a home loan and gained pre-approval your offer to buy real estate may gain an edge over other offers that may occur at the same time.  This is always an interest to sellers that want to know if they accept your offer that it will be good.  Having pre-approval gives them the peace of mind they might need to accept your offer. 

The third reason is that by starting this process early it allows you more time to correct any problems that may come up including inaccuracies on your credit history or other issues that may need attention.   When you are looking for financing a home credit will a huge factor.  I've met many people that did not think they would be able to get a home loan but had no trouble. Knowing your own credit score can be helpful and you can find that and look at your own credit report online at https://www.annualcreditreport.com/cra/index.jsp  You'll be asked some personal questions about existing accounts to verify your identity before being allowed to view your credit report.

If you are ready to start the process give me a call.  I'll help you find a home and Amanda will help you find the financing. 

                                                 WANT TO KNOW MORE?  CALL OR EMAIL ME. 

                FOR ALL YOU REAL ESTATE NEEDS THINK OF JASON SMITH AND NP DODGE REAL ESTATE  

                Jason Smith, Realtor Licensed in Iowa USA   On the web at http://www.gowithjason.com/

                          Cell Phone 402.250.1006     Office 712.642.3287     Toll Free 877.942.3287

    NP Dodge Real Estate with offices in three Iowa locations.  Council Bluffs, Glenwood and Missouri Valley, Iowa

                    1032 Woodbury Ave Council Bluffs, IA 51503                      712.328.5008
                    201 S. Locust Glenwood, IA 51534                                     712.527.3164
                    421 East Erie Missouri Valley, IA 51555                              712.642.3287

                                                          Email Jason@gowithjason.com