San Jose real estate and homes for sale in California, golf course properties, luxury properties - The Conti Team, REALTORS® The Conti Team REALTORS(r) for San Jose, Morgan Hill and Gilroy, California real estate, golf course properties, luxury properties - NUMBER1EXPERTS™ The Conti Team NUMBER1EXPERTS(tm) for San Jose, Morgan Hill and Gilroy, California real estate, golf course properties, luxury properties
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The Conti Team, REALTOR®, real estate agents and broker for San Jose, Morgan Hill and Gilroy California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! With over 28 years of experience we have the knowledge to help. Don't hire an amateur. Call us: 408-691-7700 or 800-541-7837


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Mortgage Prequalification: San Jose, Morgan Hill and Gilroy California home buying, real estate listings, and homes for sale in Santa Clara County, CA
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 San Jose, Morgan Hill and Gilroy real estate agents 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
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

See All Tips In The "Buyers Remorse" Category >
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Real Estate Trivia
Q 
What private residence is considered the most expensive house ever built?

A 
The William Randolph Hearst Ranch in San Simeon, California cost over $30 million, equivalent today to $276,883,320. Bill Gates recently built a home for over $40 million.
See More Real Estate Trivia >


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The Conti Team, REALTOR®, real estate agents and broker for San Jose, Morgan Hill and Gilroy California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Conti Team
RE/MAX Valley Properties

16275 Monterey Road, Suite C
Morgan Hill, CA. 95037
1124 Meridian Ave san Jose ca 95125
408-691-7700
800-541-7837
Email: paulandginger@NUMBER1EXPERT.com

Paul and Ginger know Santa Clara County Real Estate! With over 28 years of experience selling homes and rental property, they know the nuances of pricing--whatever kind of home or investment property you're selling! They know you want to sell your property fast but get top dollar. With "The Right Price Analysis" individually prepared on your property they will do just that! Paul and Ginger don't just list properties, they market them to sell! ... What is the difference? Paul and Ginger have a record of moving Real Estate profitably and fast! Paul's technical capabilities and intimate knowledge of marketing, which includes the latest Internet technologies, will insure the buying and selling cycles will be quicker, smoother and more profitable for you. Paul is in the Top 5% of agents in Santa Clara County and in the Top 2% in the nation, having sold many properties just like yours.... Ginger is the author of the book “The Art of Home Staging” and founder of www.HomeStagers.com. She has staged/showcased over 380 homes and Paul lists them. The home staging service is FREE for their clients. Their team effort is profit in their seller’s pocket. Paul is also an expert in 1031 Tax Free Exchanges.

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