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Teri was fantastic, her knowledge of the market, help negotiating, honesty and overall professionalism were first class. We bought and sold a house with Teri last year, would highly recommend her to any seller or buyer. One of her many great personal qualities is that she listens. ...read more
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Skip Navigation LinksJR Sato Realty >> Financing

Obtaining financing is one of the MOST important aspects of purchasing Real Estate. There are two very important questions ALL buyers need to know and understand.

1) How much do I qualify for?

It is very important to work with a Reliable, Trustworthy and Accurate Mortgage Officer. If you aren’t already working with one you are welcome to contact one of our recommended Mortgage Officers. A good Mortgage Officer will provide the maximum dollar amount you qualify for after assessing your income, debt, and credit history and provide you with an estimate of costs associated with the loan.

2) How much am I willing to spend per monthly payment? (Your Budget).

You know your monthly income and debt situation better than anyone. Therefore, you determine how much monthly payment you are willing and able to handle. For example, just because you can qualify for $500,000.00 to purchase your home doesn’t mean you are willing to pay the monthly mortgage on that size of loan.

We will help you understand the meaning and impact of these two questions. However, you will make the decision regarding how much you are willing to spend and the Bank will decide how much they are willing loan you. Once this is determined, the fun part begins; searching for your DREAM home.


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