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Mortgage Prequalification: Staunton and Waynesboro Virginia home buying, real estate listings, and homes for sale in Waynesboro County, VA

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 Staunton and Waynesboro 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 >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

	See All Tips In The "First Time Buyers" Category >
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Q	What is the average age range of a second-home buyer in the United States?
A	Currently, second-home buyers in America are most often between 41 and 44 years of age.
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Willie Roberts, REALTORŽ, real estate agent and broker for Staunton and Waynesboro Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Willie Roberts - Associate Broker
Real Estate III
17 Parkway Lane
Fisherville, VA 22930
Direct Line: 540-213-4613
Toll Free: 1-800-327-3433
Cell: 540-241-1919
Fax: 540-886-5248
Email: WillieRoberts@NUMBER1EXPERT.com
I have had the pleasure of being a full time Real Estate professional as a Realtor and Associate Broker with over 15 years experience with residential and investment properties here in the beautiful Shenandoah Valley. I serve the areas of Waynesboro, Staunton, Stuarts Draft, Fishersville and all of Augusta County. I love this entire area and it is my mission to link you together with your perfect home or property. For those of you who need help selling your home, I have many, many buyers looking - and maybe your house will be perfect for them! I help my clients with my vast knowledge of the local market, advanced real estate education and a genuine desire to make your move as smooth and enjoyable as possible. With over 15 years of success and a member of an aggressive, dynamic sales team, a few of my Real Estate accomplishments include "The Code of Ethics Award", "Million Dollar Producer Award", "Circle of Excellence for Outstanding Production", "The Service Award" and a Graduate of Realtors Institute. Having these accredited accomplishments enables me to have tremendous amounts of energy and dedication to "go the extra mile" providing my clients with only the highest quality of service. I pride myself on the fact that many of my clients end up becoming close friends! I invite you to visit my web site, get to know me, check out our area, then give me a call or drop me an email. I look forward to seeing how we can work together.

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