Pre-Qualify For Your Mortgage

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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.

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

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Torrance Realtor to offer services such as these.

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

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Loan Info
Anticipated Down Payment:
Desired Loan Amount:
Total Monthly Income:
Total Monthly Debt Payment:
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
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*Please note that fields marked with an asterisk are required.

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Real Estate Tips

Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia

Q	Who is considered the world's most renowned living architect?
A	I.M. Pei who retired in 1991; he earned this status after designing the glass pyramid entrance pavilion to the Louvre in Paris (1989).
See More Real Estate Trivia >

Carol Gilles, REALTORŽ, real estate agent and broker for Torrance, California home listings, property and land for sale - NUMBER1EXPERT

Carol Gilles
The Real Estate Group
3480 Torrance Bl # 100
Torrance, CA. 90503
CA DRE# 00803846
Cell: 310-864-9738
Fax: 310-534-4436
Email: carol@carolgilles.com
Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT in real estate for the Torrance area. So contact her today! DRE# 00803846

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