Fred Smith Fred Smith
  Certified Residential Specialist

 RE/MAX Masters Millennium
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Looking for the right mortgage is one of the first steps toward buying a home. In this process, it is best to determine how mortgage payments will fit into your current budget as well as your future budget. If you can afford to buy a home, then you must decide how much mortgage you can afford. You can get an idea of the cost of different mortgages through mortgage calculators on this website or by talking to one of my featured lenders below.

Once you determine how much you can borrow, you can pre-qualify for a loan. To do that, you will need to supply information about your employment, your assets, your residence history, and so on to a lender who will also run a credit report. Once the lender reviews all this information you will receive a Pre-Qualification Letter letting you know a more accurate amount of what you can afford in a home. Then the fun of searching for the perfect home begins.

Once you find the home of your dreams, you can make an offer. When the offer is accepted, you will complete a loan application. Your lender will order an appraisal of your new home and will work with you to get any documents that are needed for the approval of the loan. Once your loan is approved, the lender will get all the papers to the title company for you to sign at the closing. For more information about the mortgage and loan process, contact my featured lender:

Courtney HornThe Horn Funding Corp
Courtney Horn
9155 E. Nichols Ave. #150
Centennial, CO 80112
Phone: (303) 957-4008
Fax: (303) 484-3474