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About Mortgages


Financing Options


One of the first things to do once you decide to purchase a home is to decide on the financing you intend to purchase with. Cash, of course, is one option. Another is to finance your purchase with a loan, and if that's your intent, the first step you'll take is to secure a loan approval. This is critical in defining your search; you need to know what price range you should be considering, and you need to make sure you can get a loan that will work for you. It’s also an important piece of any offer package we’ll prepare for you; homes can be won or lost based on the loan information that is presented to sellers and listing agents.

With all the changes over the past few years in the world of finance, and the ever-evolving environment of regulations and scrutiny, it is more crucial than ever that you work with only the best mortgage bankers, from lending institutions that truly can deliver. Gone are the days that any old online lender will do ... you’re putting yourself at a huge disadvantage every step of the way if you’re not working with highly reputable mortgage bankers who are locally based and have intimate knowledge of our local markets.

There are ample funds available for loans, at amazing interest rates that give you incredible purchasing power. You just need to be working with the institutions that will give you the best options and access. Please contact me for referrals to excellent, expert mortgage bankers, one of the most critical members of the team of professionals working on your behalf.

Shirley Kraus, RealtorĀ® | DRE#: 01197341 |
Intero Real Estate Services, San Carlos, CA