Getting Pre-Approved is First Step to Buying a Home- by San Ramon Realtor Jason Kerner

Getting Pre-Approved Should Always Be Your First Step

Getting Pre-Approved Should Always Be Your First Step | MyKCM

In many markets across the country, the number of buyers searching for their dream homes is far greater than the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.  If you need help figuring out what you can afford, give me a call and we can crunch some numbers together.  As your local Broker/Realtor with 16 years of full-time experience, I am happy to help.  Text or call 925-400-7007 or visit KernerHomes.

Even if you are in a market that is not as competitive, understanding your budget will give you the confidence of knowing if your dream home is within your reach.

Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”

Freddie Mac describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow:

  1. Capacity: Your current and future ability to make your payments
  2. Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for cash
  3. Collateral: The home, or type of home, that you would like to purchase
  4. Credit: Your history of paying bills and other debts on time

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

Bottom Line

Many potential home buyers overestimate the down payment and credit scores needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so.  Give me a call and I can help make this process as easy as possible.  Let’s put my 16 years of real estate experience to work for you.  Call or text 925-400-7007 or email me at jason@nexthomeprg.com

 

Jason Kerner, San Ramon Realtor, Broker, and Co-Founder NextHome Premier Realty Group

A successful real estate professional since 2002, Jason Kerner has built a stellar reputation with his client-focused, service-centric approach and impressive track record of sales. He is distinguished in field with many accomplishments, awards and advantages that set him apart:

  • A San Ramon Real Estate Expert offering attractive fees and the highest net
  • A Certified Residential Specialist (CRS) representing the elite top 4% of the industry
  • Facilitator of multiple home purchases and sales in Windemere, Gale Ranch, Bridges, San Ramon, Danville, Fremont, Pleasanton, Redwood City, San Mateo, San Carlos, Mountain View, and Cupertino
  • ePro Certified from the National Association of Realtors for being a leader in Real Estate technology

JasonIn late 2014, Jason became Co-Owner, Co-Founder and Managing Broker of NextHome Premier Realty Group, one of the leading local real estate offices in San Ramon Valley with over $140 million in sales since January 2015. He segued into this role after years of recognition as a consistent top producer in the San Ramon area at Remax Accord.

Jason has excelled in brokerage and earned top-tier awards because he always serves the best interest of his clients. That is why his properties consistently get more exposure and sell for higher prices than the competition.

His high-tech background in Silicon Valley prior to real estate taught him to keep a close eye on trends and capitalize on technology to research and market properties most effectively. This command of technology that includes social media, 3D tours, HDR photography and other cutting-edge marketing vehicles gives him a distinct edge.

Clients just as much appreciate the personal attention, custom service and negotiating skills Jason brings to their transactions, which are essential when one’s greatest asset is involved. He employs a low-pressure, consultative style that empowers sellers and buyers to make the right decisions; yet he is aggressive when it comes to fighting for his clients’ needs and negotiating the best terms. 

A Los Angeles native, Jason has lived in San Ramon for over 11 years. He is married with two daughters, is actively involved in his community, and has a variety of interests such as cycling, basketball, and wine tasting.

Whether you are looking to find your dream home or sell your property for top dollar, trust Jason to make your transition, and transaction, as smooth and rewarding as possible.  http://www.KernerHomes.com or 925-400-7007

Hire the San Ramon Realtor Expert and Sell For More. #1 in Client Relations.

New Year. New Home.Hire the San Ramon Realtor Expert and Sell For More.  Over $33 Million Sold in 2016 Year to Date.  #1 in Client Relations With Tons of 5 STAR Reviews.  “What sets Jason apart from others is his experience. Anyone can take pictures and list your home on the MLS, but experience is what matters most. Jason guided me through every step of the way, from marketing my home to negotiations and even what to do when things go wrong. Our buyer’s lender made a mistake but Jason was able to get everything back on track without me having to worry.