Obtener una preaprobación debería ser siempre su primer paso

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Real Estate Agent with Allison James Elite CA. BRE 01501699
Getting Pre-Approved Should Always Be Your First Step | Simplifying The Market

Obtener una preaprobación debería ser siempre su primer paso

En muchos mercados a través del país, el número de compradores que están buscando la casa de sus sueños, de gran manera ha superado la cantidad de casas para la venta. Esto ha llevado a un mercado competitivo donde los compradores a menudo tienen que sobresalir. Una forma de mostrar que usted está serio en cuanto a la compra de la casa de sus sueños es el obtener una precalificación o preaprobación para una hipoteca antes de empezar su búsqueda.

 

Aun si usted no está en un mercado que es tan competitivo, saber su presupuesto le dará la confianza de saber si la casa de sus sueños está a su alcance.

Freddie Mac expone las ventajas de la preaprobación en la sección ‘My Home’ de su página electrónica:

Se recomienda de gran manera que usted trabaje con su prestamista para obtener una preaprobación antes que usted empiece la búsqueda de una casa. La preaprobación le dirá cuanto puede pagar y le ayudará a moverse más rápido, y con mayor confianza, en los mercados competitivos”.

Una de las muchas ventajas de trabajar con un profesional local en bienes raíces es que muchos conocen prestamistas que le podrán ayudar en este proceso. Una vez usted escoja un prestamista, necesitara llenar la solicitud de préstamo y proporcionarles información importante en cuanto a “su crédito, deudas, historial de empleo, cuota inicial e historial de residencia”.

Freddie Mac describe las ‘4 C’ que ayudan a determinar la cantidad por la que usted califica para pedir prestado:

  1. Capacidad: Su capacidad actual y futura para hacer sus pagos
  2. Capital o reserva en efectivo: El dinero, ahorros, e inversiones que usted tiene que pueden venderse rápidamente por efectivo
  3. Colateral o garantía: La casa, o estilo de casa, que a usted le gustaría comprar
  4. Crédito: Su historial de pago de facturas y otras deudas a tiempo

Obtener la preaprobación es uno de los muchos pasos que muestra a los vendedores de casa que usted está serio en cuanto a la compra y a menudo ayuda a acelerar el proceso una vez su oferta es aceptada.

En conclusión,

Muchos compradores de casa potenciales sobrestiman la cuota inicial y el puntaje de créditonecesario para calificar por una hipoteca hoy. Si usted está listo y dispuesto a comprar, tal vez sea gratamente sorprendido en cuanto a su habilidad para hacerlo.

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Chris B Johnson
Chris B
Johnson
Realtor
CDPE, SFR, BPOR, HAFA, CDAT, PSC, QSC
Allison James Elite
Moorpark CA
(805) 208-0823
Your home is probably the biggest asset that you own. That is why you need to choose a partner, who is working for YOU to get the job done correctly, the first time. One who is concerned about Quality, not Quantity.
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Homes For Sale In Oxnard, 2021 E Bard RD Oxnard CA 93033 IS Remodeled Refreshed & Ready for move in 😊

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Chris B. Johnson is a REALTOR® who Specializes in Short Sale and REO Transactions. Chris has been Certified as a California Association of Realtors HAFA Specialist, a National Association of Realtors Short Sale and Foreclosure Resource, Chris B Johnson Realtor is a Certified Distressed Property Expert, Certified Short Sale Negotiator, Certified Default Advocate and Certified Pre-Foreclosure Specialist. With a full time staff dedicated to short sale negotiations and transactions, we have been successful with (almost) every short sale to date.  LinkedIn Pro    UpNest    What's Your Home Worth?

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Homes For Sale In Oxnard, 2021 E Bard RD Oxnard CA 93033 IS Remodeled Refreshed & Ready for move in 😊

YouTube:  https://youtu.be/etWEBTGEgpE

MLS Link: https://www.flexmls.com/share/1OIHk/2021EBardRDOxnardCA93033

Web Address: http://2021bard.ihousenet.com/

ActiveRain: http://activerain.com/droplet/5bHK

Xome: https://www.xome.com/homes-for-sale/2021-E-Bard-Road-Oxnard-CA-93033-240289931

Chris B Johnson Realtor

Short Sale Specialist, Certified Home Retension Specialist, Behind on your Mortgage Payments?, Stop Foreclosure, Postpone the Auction, get Loan Modification Help and Short Sale Help! I am a Certified Pre-Foreclosure Specialist, Certified Home Affordable Foreclosure Alternative Specialist (HAFA) Certified Short Sale Negotiator, Certified Short Sale Specialist, National Association of Realtor Certified Short Sale Foreclosure Resource and Broker Price Opinion Resource (Expert in Home Valuations and Pricing), Chartered Financial Consultant and Certified Home Retension Specialist. Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactions. My goal is to help 24 to 28 families each year either buy or sell a home. I am NOT interested in Selling 100 or 200 homes a year because I would not be able to give each family the time, attention and energy they deserve. I would also lose touch with my past clients and would not be available to help where needed. I take pride in working personally and individually with each of my clients. Once you are my client, you will work me from the beginning to the end of the transaction. When you call, you will get me directly, not my assistant or secretary. I have been a financial and real estate consultant for the past 30 years and have specialized in loan loss mitigation, short sale negotiation and REO marketing since 2005. I know how to negotiate contracts and navigate through the most difficult transactions. I am a member of, and Certified by the National Association of Realtors as a Short Sale and Foreclosure Resource, and Broker Price Opinion Resource. I am a Member of, and Certified by the California Association of Realtors as a Certified Home Affordable Foreclosure Alternative Specialist. I am a Certified Distressed Property Expert, Certified Short Sale Negotiator, Certified Pre-Foreclosure Specialist and Certified Default Advocate. For more please go to my LinkedIn Profile. Thank You!! And I look forward to hearing from you! For more. please see my profile on LinkedIn and Google.

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Rainmaker
326,415
Chris B Johnson
Allison James Elite - Moorpark, CA
REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor

Homes For Sale In Oxnard, 2021 E Bard RD Oxnard CA 93033 IS Remodeled Refreshed & Ready for move in 😊

YouTube:  https://youtu.be/etWEBTGEgpE

MLS Link: https://www.flexmls.com/share/1OIHk/2021EBardRDOxnardCA93033

Web Address: http://2021bard.ihousenet.com/

ActiveRain: http://activerain.com/droplet/5bHK

Xome: https://www.xome.com/homes-for-sale/2021-E-Bard-Road-Oxnard-CA-93033-240289931

Apr 18, 2018 09:49 AM #1
Rainmaker
326,415
Chris B Johnson
Allison James Elite - Moorpark, CA
REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor

Homes For Sale In Oxnard, 2021 E Bard RD Oxnard CA 93033 IS Remodeled Refreshed & Ready for move in 😊

YouTube:  https://youtu.be/etWEBTGEgpE

MLS Link: https://www.flexmls.com/share/1OIHk/2021EBardRDOxnardCA93033

Web Address: http://2021bard.ihousenet.com/

ActiveRain: http://activerain.com/droplet/5bHK

Xome: https://www.xome.com/homes-for-sale/2021-E-Bard-Road-Oxnard-CA-93033-240289931

Apr 19, 2018 10:26 AM #2
Rainmaker
326,415
Chris B Johnson
Allison James Elite - Moorpark, CA
REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor

Homes For Sale In Oxnard, 2021 E Bard RD Oxnard CA 93033 IS Remodeled Refreshed & Ready for move in 😊

YouTube:  https://youtu.be/etWEBTGEgpE

MLS Link: https://www.flexmls.com/share/1OIHk/2021EBardRDOxnardCA93033

Web Address: http://2021bard.ihousenet.com/

ActiveRain: http://activerain.com/droplet/5bHK

Xome: https://www.xome.com/homes-for-sale/2021-E-Bard-Road-Oxnard-CA-93033-240289931

Apr 21, 2018 12:27 PM #3
Rainmaker
326,415
Chris B Johnson
Allison James Elite - Moorpark, CA
REALTOR®Quality Not Quantity #ChrisBJohnsonRealtor

2021 E Bard RD, Oxnard, CA 93033 IS Remodeled, Refreshed and Ready for move in!

http://2021bard.ihousenet.com/

#TimeToBuy #ChrisBJohnsonRealtor

https://www.xome.com/homes-for-sale/2021-E-Bard-Road-Oxnard-CA-93033-240289931

http://activerain.com/droplet/5bHK https://youtu.be/etWEBTGEgpE

Apr 26, 2018 01:05 PM #4
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