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Welcome > For Buyers > Mortgage Prequalification ...

Before Shopping for a New Home Find Out Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But 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.

- Your monthly payment amount.

I help buyers pre-qualify for mortgages every day by referring them to mortgage experts that can quickly answer their questions.

You may fill out your contact information below and I will provide you with referrals to mortgage brokers. Please do not provide your confidential information here because that should be provided directly to the mortgage broker only. (I don't need the detailed confidential information myself.)

You can also click here to be directed to Bridge City Mortgage or just call Kathleen Guske at Bridge City Mortgage directly at 503.906.7988.

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School Reports in Lake Oswego, Portland and West Linn, Oregon

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Oregon Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

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Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	From 1974 to 1996, what was the world's tallest habitable building?
A	The Sears Towers, headquarters for Sears, Roebuck & Co., with 110 stories and 1,454 feet high.
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Lois Oliver-Miesbach, REALTOR®, real estate agent and broker for Lake Oswego, Portland and West Linn, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Lois Oliver-Miesbach MBA, CPA, Principal RE Broker
Real Estate by Lois & Hill
4800 SW Meadows Rd Suite 300
Lake Oswego, OR 97035
Cell/Voice Mail: 503.453.3092
Fax: 888.453.2820
Lois@LoisMiesbach.com
You will find that Lois Oliver-Miesbach's commitment to you and your real estate goals will be performed with knowledge, integrity and dedication. That’s why more than 90% of business is from past clients and referrals!

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