Getting pre-qualified doesn't need to be scary. (photo by svilen mushkatov)
Considering buying a house, but don’t know where to turn?
Don’t worry, it isn’t painful and only takes a few minutes to do.
What do you need?
- Your Income
- Your Bank Statements
- Your Social Security Information
The pre-approval process is where the mortgage professional will verify your income, your assets, and your credit rating. The exact requirements will verify by bank, but most will want last two year tax returns, three months of paystubs, and two bank statements.
I reccomend being approved early in the home-buying process, it allows you to set your sites on a home that is within your price range.
Who do you call?
Use a mortgage person that you are comfortable with — whether from your own bank or a competitor. Shop them a little, you’ll find different rates at different types of institutions.
PREFERRED MORTGAGE PROVIDERS
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Sadie Lynn is the Boxer of Toby Boyce, a REALTOR with Keller Williams Consultants Realty, and Mrs. Toby. Sadie has been hearing more than she can take about real estate and Delaware since Toby became an agent in July. So, she decided to take into her own hands and created this site to share her new knowledge. Enjoy, my take on Delaware, Ohio and real estate as a general. 
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As for trade statistics and other statistical data etc.: I have posted a Statistical Reference Inventory (http://crisismaven.wordpress.com/references/) to my economics blog with economic and statistical data series, history, bibliographies etc. for students & researchers, probably the most comprehensive on the Internet. Currently over 300 meta sources, it will soon grow to over a thousand. Check it out and if you miss something, feel free to leave a comment.
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Do any of you notice a lot more spam type comments (i.e
You are completely correct! What is often swept under the carpet is that Basel III is nothing new- all other industries are held to standards that guarante “a true and fair view” of their prospects. So the FHA is saying it is underwater by the “new” standards and is now trying to square a circle. Good luck! (And there’s no fresh bailout money where the last came from …)
Hey, everytime I load up pages I only wind up viewing a small part of the post. I do not understand if it is caused by my webbrowser(Chrome) or not, is someone else dealing with this issue?
Toby,
Is the seminar at the Park Nat office or somewhere else? Thanks for putting this on.
Thanks for the question Herb! It will be at Park National Bank at the intersection of Wilson Bridge and High just south of I-270 in Worthington.
I must say, I could not agree with you in 100%, but it
Just wondering if any active traders are starting to trade the ETFs? After reading the book by Larry Connors – High Probability ETF Trading – I switched and I would say overall my results have improved but there are fewer trading opportunities because of the small number of ETFs he writes about. ETFs seem to be a little less erratic in their price movement so that’s good but some of them have poor results using the systems he describes in the book.
Wasn’t aware of this new incentive from Fannie Mae Toby, thanks for posting, think I’ll re-post.
You know, I can let you know, I really like your blog as well as the awareness from everybody who participates. I find it to be exciting and pretty beneficial. I wish there was much more blogs enjoy it. Anyway, I felt it was about time I posted
Delaware City Council gave the project their blessing during the February 22 session.
Thank you for all the great posts from last year! I look forward to reading your blog, because they are always full of information that I can put to use. Thank you again, and God bless you in 2010.
I love Wordpress when I blog, one of the key reasons being the ability to “post-date” publications.
But every once in a while, there is an “oops”. This was supposed to be up yesterday but didn’t make it … due to operator error.
My apologies!
Toby,
Thank you for publicizing this important, free service to Delaware and Morrow County residents. Those who qualify for this service, may also find our online resource database useful in discovering many other free community services. Visit http://www.helplinedelmor.org for more information.
Best regards,
Tamika Vinson
Outreach Coordinator
HelpLine of Delaware and Morrow Counties, Inc.
i love your style of writing
If I had followed Dave Ramsey’s advice while building my wealth, I would not be in the comfortable financial position I’m in today. Listen to him and take from him what works for you. It doesn’t all work, and some of it is nothing short of nonsense.
Peter – That is the best advise anyone can use. Take what others are suggesting and adapt it to your situation. Anyone that says their program has to be followed exactly – well except a Doctor – is on an ego trip. Thanks for the comment and have a wonderful weekend! – Toby
Thanks for mentioning my visit! My name is actually WIGHT not WRIGHT.
Mr. Wight – I apologize! No excuse, but it is fixed. – Toby
How often have we seen good people, in tough situations, simply give up and expect the world will fix itself.
You have to be strong, honest and handle your business with your debtors in such a way that it does not permanently effect how they see you. only then can you negotiate in a position of strength.
I agree with you, I’m sure! Should this possibly be available that will get yuor web blog translated into German? English is my own second language.
In my personal opinion Central Ohio Last Second Valentine’s Day Gift | Delaware County Real Estate & Events is actually a amazingly well crafted report. Most definately actually talking about additionally really worth talking about http://www.delawareohrealestate.com/2010/02/13/did-you-forget-your-valentines-day in addition. Truly, Darcey Oles
Could I take part of your main guide to my website
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I woud say you missed http://www.facebook.com/startengagingothers... Not that I am biased! ;^P
Fixed it Rocky.
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You know what? They’re just rearranging the chairs on the deck of the Titantic. Isn’t that the phrase? With commercial real estate about to fall apart, this is just a cherry on top.
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Toby,
On November 7 you sent to “Jason” a collection of links to properties for sale in Delaware County. Do you think you could send a similar list to me? Thanks, Al N.