Absolutely! Even if you haven’t so much as picked out houses to visit yet, it’s important to see your mortgage professional first. Why? What can we do for you if you haven’t negotiated a price, and don’t know how much you want to borrow?

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It’s short and to the point, and we keep the paperwork to a minimum!

Once you qualify, we give you what’s called a Pre-Qualification Letter (your real estate agent might call it a “pre-qual”), which says that we are working with you to find the best loan to meet your needs and that we’re confident you’ll qualify for a loan for a certain amount.

When you find a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-qualified gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won’t have to wonder if they’re wasting their time because you’ll never qualify for a mortgage to finance the amount you’re offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford — but it’s important to meet with us. For one thing, you’ll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

Courtesy of http://www.equityoptionscorp.com/WhentogetQualified

Should you talk to a mortgage professional before house hunting?

Absolutely! Even if you haven’t so much as picked out houses to visit yet, it’s important to see your mortgage professional first. Why? What can we do for you if you haven’t negotiated a price, and don’t know how much you want to borrow?

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It’s short and to the point, and we keep the paperwork to a minimum!

Once you qualify, we give you what’s called a Pre-Qualification Letter (your real estate agent might call it a “pre-qual”), which says that we are working with you to find the best loan to meet your needs and that we’re confident you’ll qualify for a loan for a certain amount.

When you find a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-qualified gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won’t have to wonder if they’re wasting their time because you’ll never qualify for a mortgage to finance the amount you’re offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford — but it’s important to meet with us. For one thing, you’ll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

Courtesy of http://www.equityoptionscorp.com/WhentogetQualified

ALL KEYS MORTGAGE, INC. 99101 Overseas Hwy., Key Largo FL 33037, 305-451-9898, Fax: 305-451-9897
Ameri Mortgage Corp, 1300 S. Roosevelt Blvd., Key West 305-294-1141
American General Finance Services, 1105 Key Plaza Shopping Center, Key West 305-296-8586
Armstrong Kelly, 2505 Flagler Ave., Key West 305-296-2434
Bankers Mortgage Corporatin, 300 Atlantic Dr., Key Largo 302-451-5880
Casstle Mortgage Corp., 529 Whitehead St., Key West 305-292-0064
Century Funding Corp., 101925 Overseas Hwy., Key Largo 305-451-9224
Choice Mortgage Company of the Florida Keys, 102025 Overseas Hwy., Key Largo, 305-451-4822
CitiFinancial, 2800 N. Roosevelt Blvd, Key West 305-296-8565
City Mortgage Services Inc., 3302 Eagle Ave., Key West 305-294-2999
Conch Republic Morgage, 82681 Overseas Hwy., Islamorada, 305-664-4555
Condella Financial Services, 3432 Duck Ave., Key West 305-292-7554
Dunhill Mortgage Company, Inc., 1762 74th Street Ocean, Marathon, 305-743-7811
Equity Options-Key largo http://www.equityoptionscorp.com/
ERA Dockside Properties, 102800 Overseas Hwy., Key Largo, 305-451-0082
1st Florida State Mortgage Corp, 524 Eaton St., Key West 305-296-1305
First National Bank of South Florida, 82205 Overseas Hwy., Islamorada, 305-517-9250
First State Bank of the Florida Keys, Keys Wide, 1-800-451-6556
Flagship Financial Services Inc., 302 Southard St., Key West 3305-292-9199
Florida Keys Mortgage Company, 530 Southard St., Key West, 305-295-0430
Florida Keys Mortgage, 88181 Overseas Hwy., Plantation Key, 305-852-0830
Hometown Mortgage of the Keys, Inc., 85998 Overseas Hwy., Islamorada 305-517-4273
Independent Mortgage & Finance, 600Whitehead St., Key West 305-294-5105
Kavney Tom Mortgage Broker, 81611 Old Highway, Islamorada 305-664-9135
Keys Assets, 21 Whisstling Duck Lane, Key West 305-293-9423
Key West Funding Corp., 302 Southard St., Key West 305-292-5700
Keys Federal Credit Union, Keys Wide, 1-800-805-7535
Keys Financial Corporation, 1509 Josephine St., Key West 305-294-1484
KeysFirst Mortgage Corp., 25000 Overseas Hwy., Summerland, 305-745-1272
Marine Bank of the Florida Keys, 11290 Overseas Hwy., Marathon 305-743-3030
Mortgage Company of the Keys, Inc. 3706-F N. Roosevelt Blvd., Key West 305-292-3233
Mull and Associates Mortgage Solutions, 91760 Overseas Hwy., Tavernier 305-852-8988
Orion Bank, Keys Wide, 1-800-648-4262
Realty Mortgage Corporation, 600Whitehead St., Key West 305-293-9222
Simplicity Mortgage, 1213 Truman Ave., Key West 305-296-7744
Southernmost Mortgage Co., Inc., 529United St., Key West 305-292-2000
Southern Trust Mortgage, 91861 Overseas Hwy., Tavernier 305-853-0056
TIB Bank of the Keys, MM100.2, Key Largo, 305-451-4660
Wells Fargo Home Mortgage, 530 Southerd St., Key West 305-296-0521

Upper Florida Keys Banks
BB&T, MM90.184, Tavernier…..(305) 852-4500
Community Bank of Florida
MM 100.150, Key Largo…..(305) 451-5733
MM 91.390, Tavernier…..(305) 852-0516
First State Bank
MM 97.670, Key Largo…..(305) 852-2070
Key Largo Tradewinds…..(305) 451-3033
MM 81.621 Old Hwy, Islamorada….. (305) 664-9070
Gibraltar Bank,35 Ocean reef Dr, Ocean Reef…..(305) 367-3040
Marine Bank
MM 100.280, Key Largo…..(305) 451-1631
MM82.787, Islamorada……(305) 664-5553
Orion Bank, MM82.681, Islamorada…..(305) 664-4466
TIB Bank of the Keys
MM 103.3 Bayside, Key Largo…..(305) 451-2000
MM 99.4, Key Largo….(305) 451-0211
MM 91.9, Tavernier…..(305) 852-9500
MM 80.9, Islamorada…..(305) 664-4483

Middle Florida Keys – Marathon Banks
BB&T, 6090 O/S Hwy, Marathon…..(305) 743-4105
Bank of America, 5401 O/S Hwy…..(305) 743-4121
First State Bank, 6900 O/S Hwy…..(305) 289-4393
Marine Bank
Duck Key…..(305) 743-7735
Marathon-Main…..(305) 743-3030
Marathon-Midtown…..(305) 743-3344
Orion Bank
Marathon…..(305) 743-0440
Marathon Shores…..(305) 743-9444
BB&T, 6090 O/S Hwy, Marathon…..(305) 743-4105
TIB Bank of the Keys
Marathon Shores…..(305) 743-7845
Marathon…..(305) 743-0072

KAREN ANGLE
REALTOR®
Coldwell Banker Schmitt
11050 Overseas Highway
Marathon Fl, 33050
(305) 289-6504 Business
(305) 731-6219 Cell
(305) 743-7012 Fax
1-800 366-5181 Ext 6504
E-MAIL
www.allfloridakeysrealestate.com