Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

 

Waived lender fees up to $1,140 on FHA loans through 2018!*
 
 
 
To help make homebuying easier, we’re waiving our lender fees on FHA loans through the end of the year! All qualifying FHA borrowers could save $1,140 when they buy or refinance with Guaranteed Rate Affinity.*
 
  Minimum down payment options of 3.5% for qualified buyers
 
  More flexible credit requirements
 
  Seller assistance with up to 6% of closing costs
 
  Loan limits adjusted annually
 
Your dream home is in reach—contact me today to learn more!
 
*Waived lender fee available for FHA loans that have a triggered RESPA app date through Dec 31, 2018 at 11:59pm EST. ‘Triggered RESPA’ in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Contact Guaranteed Rate Affinity for more information and up to date rates.
 
Guaranteed Rate Affinity is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
 
HFA programs are ineligible, including Arizona Home Plus, City of Phoenix - Maricopa County IDA Process, City of Tucson - Pima County IDA Process, CalHFA, Golden State Finance Authority, Colorado (CHFA) Process, Denver Metro Mortgage Assistance (DMMA) Process, El Paso County Housing Authority (EPCHA) Process, Connecticut Housing (CHFA) Process, Washington DC Open Doors Process, Hillsborough County Florida DPA, Florida Housing Finance Corporation Process, Georgia Dream Process, Iowa Finance Authority, Idaho Housing DPA Process, City of Chicago (HBAP) Process, Illinois Assist Process, IHDA, Indiana Housing (IHCDA) Process, Kansas Housing (Sedgwick-Shawnee), Kentucky Association of Counties (KACo) DPA Process, Kentucky Housing Corporation (KHC), Mass Housing Process, NeighborWorks Southern Mass, Maryland Housing, Maine State Housing Authority (MSHA) Process, Michigan Housing (MSHDA), Dakota County (MN) CDA Process, Minnesota Housing Finance Agency Process, Missouri Housing (MHDC) Process, Kansas City Beyond Housing (NeighborhoodLIFT), Montana (MoFi) HomeNow, Chenoa, North Carolina Housing Finance Agency (NCHFA) Process, HouseCharlotte, North Dakota Housing Finance Agency (NDHFA) Process, New Jersey Housing (NJHMFA), Nevada Housing Process, Nevada Rural (NRHA) Process, Communities First Ohio DPA Process, Ohio Housing Finance Agency (OHFA) Process, Oklahoma REI, PHFA, South Carolina Housing Process, South Dakota Housing Development Authority, Southeast Texas Housing (SETH) Process, Texas State Affordable Housing Corporation (TSAHC) Process, Texas Veterans Land Board Process, Utah Housing Corp (UHC) Process, Virginia Housing (VHDA) Process, Washington State Housing Finance Commission, and Wisconsin Housing (WHEDA) Process.
 

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Joanmarie Bazo
VP of Mortgage Lending
Joanmarie.Bazo@grarate.com
www.GRARate.com/JoanmarieBazo
O: 941.907.3941 - C: 941.730.2972 - F: 727.509.8581
 
8181 S. Tamiami Trail Unit B
Sarasota, FL 34231
NMLS ID: 300173

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