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Getting prequalified is a must in today's market. Selling too?
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Don't miss out on your dream home because you're unprepared.
Be a competitive buyer by getting prequalified and double checking the market trends.
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Monitor your home value and equity with our app.
And, when you're ready we can help you leverage your equity.
Talk to an in-house loan officer to explore which home loan program fits your best.
We offer low rates, low fees, and closes quickly.
Disclaimer:
These rates are daily trending averages.
Contact me for your specific scenario and quote.
Starting your homebuying journey with a lender is the best approach. This allows you to understand how much home you can afford and have a pre-approval ready, making your offer more competitive.
Even if you think you lack the necessary assets, we encourage you to apply. We’ll explore all available options, including down payment assistance, gifts, and utilizing your 401k. Don’t count yourself out of homeownership!
Assets are items you own that hold monetary value, such as checking and savings accounts, 401k accounts, physical assets (homes, cars, boats, etc.), stocks, and bonds.
A soft credit pull occurs when lenders check your credit score without pulling your full credit report. Checking your own credit through monitoring tools is also a soft pull. These inquiries are listed on your credit report but only visible to you and do not affect your credit score.
A hard credit pull happens when you apply for new credit, such as a credit card or mortgage, giving the lender access to your full credit report. This information helps lenders make lending decisions and assess your credit risk. Hard pulls are visible to creditors and lenders and temporarily lower your credit score by a few points.
90-120 days
Applying with multiple lenders is a smart move to understand your options. Being pre-approved by multiple lenders won’t impact your credit score. Typically, you have a 3 to 4-week window where any mortgage credit pulls will be counted as a single inquiry and won’t further lower your score.
Once you give consent, the lender can perform the inquiry at any time. The exact timing varies, but your loan officer will inform you when a hard credit pull is about to occur.
A soft credit pull does not affect your credit. A hard pull, which happens when you complete the full application, may temporarily lower your credit score by about 5-10 points. Other factors, such as opening a new line of credit, late or missed payments, changes in credit limits, or large purchases, can also affect your credit score.
The down payment amount varies based on the type of loan. Many programs do not require a 20% down payment to become a homeowner. Federal loan programs often have low or no down payment requirements, and we offer various down payment assistance options. Speak with one of our loan originators to see what you qualify for.
Yes, you can still become a homeowner even with a history of bankruptcy. Eligibility depends on factors such as the type of bankruptcy filed, the status of your bankruptcy, how much time has passed since filing, and the type of mortgage you're seeking. Our loan originators will review your situation and explain your options.
Definitely! A rejection from one lender doesn’t mean we will reject you. Let us explore all your options and see how we can help you achieve your dream of homeownership!
Choose a timeline that suits your homeownership journey. We're here to assist whenever you're ready! In the meantime, focus on improving your credit score, reducing debt, and increasing savings to be better prepared when the time comes.
Equal Housing Opportunity © 2024 Apache Mortgage Inc, 14098 Edwards St, Westminster, CA 92683, 949-298-2980. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions: income, employment, liabilities, credit, and property eligibility. This is not a commitment to lend. Other restrictions apply. [05-2024]
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