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Frequently Asked Questions
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Q. How can I get started?
You can call us at (813) 340-6223 or start your application online.
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Q. What happens if I can’t find a home before my pre-approval letter expires?
Depending on your mortgage program and final underwritten conditions, you may have to re-submit the most recent 30 days of income and asset documents, as well as have a new credit report pulled.
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Worst case scenario, the lender may even require a new appraisal that reflects comparables within a 90 day period.
It’s important to know critical approval / condition expiration dates if your real estate agent is showing you available short sales, foreclosures or other distressed property purchase types that have a potential of dragging a transaction out several months.
Q: Do I have to sell my current home before I can qualify for a new mortgage payment?
Yes, No and Maybe…
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If you are in a financial position where you are qualified to afford both your current residence and the proposed payment on your new house, then the simple answer is No.
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Qualifying based on your Debt-to-Income ratio is one thing, but remember to budget for the additional expenses of maintaining multiple properties. Everything from mortgages payments, increased property taxes and hazard insurance to unexpected repairs should be factored into your final decision.