For many, obtaining a home loan is a confusing and scary process – but it doesn’t have to be! Call a local Realtor and he can refer you to quality lenders.

     It just takes one quick phone call for the lender to provide you with an estimated price range. They don’t even need to run your credit! There are so many different loan options available to buyers they are likely to have one that fits your budget. There are even zero money down programs. If you have had credit problems in the past, lenders can look at your financial status and tell you how to become qualified. Don’t waste time trying to figure this out on your own, call a professional and let them put their years of experience to work for you. If you have had financial difficulties in the past don’t wait, call a Realtor today and ask for an experienced lender who can help you.

     Once a lender gives you a clean financial bill of health, you will need to provide documentation so they can grant you a pre-approval letter. If you want to buy a home, you need to get a pre-approval letter. These letters prove the lender has looked at your records and is willing to loan you up to a certain amount. When you find a home you like and you put in an offer, these letters are almost as good as cash. They tell the seller that you mean business.

     Remember, the first and most important step in buying a home is getting a pre-approval letter. To get this letter, contact a lender. If you don’t know any reputable lending companies call a local Realtor and they will be able to give you numerous lenders who work in your market.

John Jennings, III

BRE# 01982171

John Jennings, III is a licensed Realtor® who works for Mid State Realty in Coalinga, CA. For more articles like this one go to John can be reached at and (559) 970-4312.

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