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Pre-Qualify For Your Mortgage

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 O'Fallon, Scott Air Force Base and Shiloh real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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School Reports in O'Fallon, Scott Air Force Base and Shiloh, Illinois
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Real Estate Tips

First Time Buyers >The Real Bottom Line

An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!

The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.

When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.

See All Tips In The "First Time Buyers" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia

Q 
What recent hit movie features a field trip scene that supposedly takes place at Columbia University in New York?
A 
The scene in the movie "Spider-Man", where Peter Parker shoots photos of Mary Jane and is bitten by the spider, was actually filmed in the Museum of Natural History in Los Angeles, California.
See More Real Estate Trivia >

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Kelly Ellerbrake, REALTOR®, real estate agent and broker for O'Fallon, Scott Air Force Base and Shiloh, Illinois home listings, property and land for sale - NUMBER1EXPERT

Kelly Ellerbrake
RE/MAX Preferred
1668 Windham Way
O'Fallon, IL 62269
Phone: 618-632-0001
Fax: 618-632-7865
Email: kellyellerbrake@NUMBER1EXPERT.com

Kelly Ellerbrake has been a licensed Realtor for 16 years. She has been a member of the Scott Air Force Base and surrounding communities since 1980. As the daughter of a retired Air Force Colonel, she understands relocating! Kelly is a Certified Residential Specialist (CRS) and has helped more than 600 families relocate by assisting and supporting them with her unique buyers and sellers programs! Contact Kelly today to see why she is the area's #1 Real Estate Expert!

CRS REALTOR MLS CDPE


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