The Home-Buying Experience
With the Del Preto Mortgage Team
- Schedule Call or Zoom to Review Your Goals and Preferences
- Complete Goals and Preferences Questionnaire
- Submit Info and Docs – A and N Secure Hub
- Feel free to submit info before our initial meeting if you wish to expedite the pre-approval process.
- No action will be taken until our meeting. Everything is a work in progress, so provide your best estimates – we’ll refine later as needed.
- Receive Personalized “Worksheet Email”
- This email includes detailed worksheets customized to your goals, outlining estimated monthly payments, closing costs, and total funds required for closing.
- Have a Follow-Up Call or Zoom
- Review your loan approval and options.
- Address any questions or concerns.
- Confirm your ideal purchase price and down payment based on what feels comfortable to you.
- Pre-Approval
- Option 1: Complete immediately after submitting your info and docs, if needed
- Option 2: Complete at your convenience and on your timeline.
- Pre-Contract Underwriter Approval
- If eligible, use the A and N pre-contract underwriter approval to help you win a contract.
- Get approved by underwriting before making offers.
- Stronger than pre-approval and less to do once you're under contract.
- Present your Pre-Contract Underwriter Approval certificate to sellers, clearly differentiating your offer and giving you a competitive edge over buyers with only basic pre-approval.
- If eligible, use the A and N pre-contract underwriter approval to help you win a contract.
- Home Search with Your Agent
- Use our mortgage calculator for property-specific monthly payments.
- Request property-specific worksheets before submitting an off
- Request property-specific pre-approval letters to include with your off
- Negotiate the Purchase Price
- Once terms are agreed upon with the seller, finalize and sign the contract.
- Pay the Earnest Money Deposit
- Review 'Contract to Close' Steps with the Del Preto Mortgage Team
- Complete Mortgage Approval Process
- Closing at Title Company
- Create Your myhomeIQ Account
- Gain access to a complimentary homeowner website, paid for by the Del Preto Mortgage Team, to assist you in building wealth through real estate.

30 years

Do I Qualify?
To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.
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