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Mortgage Prequalification: Valencia, Santa Clarita and Stevenson Ranch California home buying, real estate listings, and homes for sale in Los Angeles County, CA

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Valencia, Santa Clarita and Stevenson Ranch Realtor to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

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First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q	What was the greatest land grant ever given to an English subject?
A	William Penn arrived in October, 1682, to take over his enormous grant that later became Pennsylvania and Delaware.
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Sharon Lajer, REALTORŽ, real estate agent and broker for Valencia, Santa Clarita and Stevenson Ranch California home listings, property and land for sale - NUMBER1EXPERT(tm)

Sharon Lajer, Broker Assoc., GRI, REALTOR
RE/MAX of Santa Clarita
"Each Office Independently Owned and Operated"
27720 Dickason Drive
Valencia, CA 91355
Office: 661.702.4707
Office 2: 661.222.7952
Fax: 866.475.9556
Email: SHARONLAJER@NUMBER1EXPERT.COM
Email2: sharonscv@sbcglobal.net
Having lived in the area since 1980, Sharon has been a part of the dynamic growth of the Santa Clarita Valley. Over Twenty-five years in the Real Estate Industry has only added to her expertise in knowing the ins and outs of buying ,selling and investing in this growing Real Estate market. Earning the coveted GRI (Graduate Real Estate Institution), QSC (Quality Service Certified) with a Platinum customer rating, and CDPE (Certified Distressed Property Expert) designations has enabled Sharon to provide her clients with a wealth of knowledge. She has helped hundreds of people find a home that suits their lifestyle and budget. SERVICE is the keyword that exemplifies what she provides her many satisfied clients. For an intimate knowledge of the market and love of the valley she calls "Home", contact Sharon today for up to the minute info on availability and advice on buying or selling a home.

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NUMBER1EXPERT™ in real estate for Valencia, Santa Clarita and Stevenson Ranch, California

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