Gwinnett County, Dekalb County and Fulton County real estate and homes for sale in Georgia - Kay Kim's Team, REALTORS® Kay Kim's Team REALTORS(r) for Gwinnett County, Dekalb County and Fulton County, Georgia real estate - NUMBER1EXPERTS™ Kay Kim's Team NUMBER1EXPERTS(tm) for Gwinnett County, Dekalb County and Fulton County, Georgia real estate
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Mortgage Prequalification: Gwinnett County, Dekalb County and Fulton County Georgia home buying, real estate listings, and homes for sale in Gwinnett County, GA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Gwinnett County, Dekalb County and Fulton County REALTORSŪ to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Kay Kim's Team, REALTORŪ, real estate agents and broker for Gwinnett County, Dekalb County and Fulton County Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Kay Kim's Team
RE/MAX Northeast

4640 Jimmy Carter Boulevard
Norcross, GA. 30093
Phone: 770-414-4044
Fax: 770-414-9250
Email: kaykim@NUMBER1EXPERT.com

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RE/MAX Northeast real estate and homes for sale in Gwinnett County, Dekalb County and Fulton County Georgia

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