Stearns Home Loans


Total Votes: 226  
Interest: 61791

(626) 221-1104
1851 E 1st St Suite 725
Santa Ana, California 92705

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Buy a House

Home Buying Basics


 

How do I begin?

How can you increase your odds of having a great experience and finding the best home? Simply by doing exactly what you are doing right now. Invest time educating yourself, work with, and heed the advice of the best professionals available.

A Loan Officer and Real Estate Agent, if you opt to use one, will do their best to keep you informed and educate you about the home buying process. Your Loan Officer will let you know ahead of time what expenses you can expect to encounter and will do their best to solve problems before they start. This way you will feel more comfortable and in control and you will play a more active role in the outcome of your transaction.

How much can I qualify for?

Many factors are used to determine the size of the loan you are eligible for. Your Loan Officer generally prefers that your housing expenses (mortgage, taxes, insurance and special assessments) do not exceed 25% of your gross monthly income. Your other financial obligations should not exceed more than 36% of your gross monthly income.

There are many different types of loans available. Which one you select can also affect how much you qualify for. Your Loan Officer will verify your credit and employment history before an exact amount can be determined.

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Nicki Harlow - "I can help you!"

Whether you're buying, selling, or refinancing, it's important that you choose the right mortgage loan originator to guide you through the home loan process.

1851 E 1st St Suite 725
Santa Ana, California 92705
(626) 221-1104
(805) 335-3004


Licensing Information: Corporate NMLS#1854 | Employee NMLS #232259 | Branch NMLS #1151291