FAQS

Q?What information do I need to provide to find out if I qualify for a loan?

The pre-qualification process is easy. We will need the following information to best assess your specific situation: your most recent credit score, your yearly household income, your total cash to closing, and the price range of the home you are looking for. We may require other information depending on the answers to some of these questions, but that’s all we need to get started. Please feel free to give us a call at (813) 374-8282 or fill out our Pre-Qualification form.

Q?How much cash for closing do I need?

Every persons specific buying situation is different. As a result, it is impossible for us to give out a broad number that covers everyone’s specific requirements. Some loans can be secured with as little as $0 down. That said, there are other fees beyond the down payment to consider, such as insurance costs, home inspections, appraisals, pest inspections, and taxes. We recommend that you contact us as soon as you can so that we can asses your specific financial situation and make recommendations on what you need to have saved to meet your cash for closing costs. Please feel free to give us a call at (813) 374-8282 or contact us online using our contact form.

Q?Where do I find my credit score?

A credit score is a numerical expression of creditworthiness of a person based on the statistical analysis of a person’s credit history. Your credit score is one of the major factors which affect the process of securing your home loan. It is best to find out what your credit score is as soon as possible so that you may take the necessary steps to correct or dispute any issues in your credit history.

You are allowed to see a credit report once a year, free of charge through annualcreditreport.com. A credit report is not the same as a credit score. We suggest getting your credit score through any of the three credit bureaus. The credit bureasu are: Equifax, TransUnion and Experian.

Q?Can I get a home loan with credit issues?

Yes you can! Life happens and when it does your credit can sometimes suffer. A sick child, a few late bills, or an unexpected expense can easily get you off track. We understand! That’s why we help you secure a loan. Just because your credit isn’t perfect doesn’t mean you should miss out on the opportunities available to everyone else.

Give us a call at (813) 374-8282 or e-mail us a budgunter at aol dot com.