Thinking about a Mortgage?
Unless you are an all cash buyer, you will need a “financial partner” , also known as a MORTGAGE LENDER, to provide the funds you don’t have to purchase your new home. This requires you to convince your new “Partner”, that you have the capability to pay back the funds they will advance you to enable you to purchase your home.
Whether you’re a first-time buyer looking for the perfect starter house, or a seasoned pro trading up to your Custom Mountain dream home, you are probably asking the same questions: Can I afford this? And is this the right move at the right time?
Of course, you can use a mortgage calculator and ask the experts — lenders, agents, and mom — but the reality is that you are the only one who truly knows whether you can afford to buy right now. And, painful as it is, what you need to start with is a detailed income vs expense report. Analyze what you earn and what you spend (without considering the expected new mortgage) — at least get a full month’s snapshot.
You’ll see where you may have wiggle room in your budget and what you can afford for housing.
What can Coldwell Banker Home Loans do for you?
Our mission statement: We promise to treat customers like family while providing financing for the American dream. The experience will be smooth, easy, and at times, fun. We will do this with unequalled passion and expertise.
We’ll guarantee your closing date. We’re so confident that we will close when you say so, that if we don’t, we will reduce your interest rate by 1/8 of one percent for the life of your loan.*
We offer FREE pre-approvals to qualifying homebuyers! With a mortgage pre-approval, you can shop for the home of your dreams with confidence. You’ll know just how much you can afford and increase your negotiating power. **
We take pride in being a lender you can trust. As our mission states, “we promise to treat customers like family.” We take this oath seriously, and our goal is to provide you with the superior service you deserve — guaranteed.
- Approved, conventional, FHA & VA loans. Closing date to be mutually agreed upon between customer and bank, and customer must provide all required documentation. Timely request for payment under guarantee is
- ** NY and NJ customers please refer to our FAQ section for additional information.
- ¹Based on first quarter 2010 statistics from Inside Mortgage Finance, April 1, 2010.
