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Joan Katz

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Working out financing options is one of the most important first steps in a property search. If you are not yet pre-approved for a mortgage and plan to obtain one, or want to explore what scenario best fits your situation, I can help you ask the right questions and direct you to qualified lenders.


1. Look in the right price range. Once you begin looking for a home, starting in a bracket above what you can finance makes anything after that appear disappointing. Conversely, you may waste a lot of time looking at homes costing less than you can "comfortably" afford.



2. Once you find a property you like, the seller will want to know that you can afford the property before accepting an offer.



3. Be careful if you ask for a mortgage quote on the internet; often you're giving permission to pull your credit before you are ready to move ahead, reducing your credit score.



4. It makes good business sense to determine how much you want to spend on a home purchase before you fall in love with a new home.




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