Privacy Statement for http://www.RealEstateBuyersAgents.com/seattle/
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RealEstateBuyersAgents.com/seattle/ has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for this site; http://www.RealEstateBuyersAgents.com/seattle/.
We respect your privacy! Any and all information collected at this site will be kept strictly confidential and will not be sold, reused, rented, loaned, or otherwise disclosed. Any information you give to RealEstateBuyersAgents.com will be held with the utmost care, and will not be used in ways that you have not consented to. A more detailed explanation about how we safeguard your personal information is described below. If you have any questions, please don't hesitate to Email John Rygiol
let us know.
Our site's inquiry form requires users to give us contact information (like their name, telephone number, and email address). The customer's contact information is used to contact the visitor when necessary.
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We use your IP address to help diagnose problems with our server, and to administer our Web site. An IP address only provides information about who your Internet service provider is. It cannot be used to personally identify you.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact
John Rygiol Broker/Owner
116 Main Street, Suite 7
Seal Beach, CA 90740
Email John Rygiol
Serving home buyers in:
Seattle, Shoreline, Edmonds, Lynnwood, Lake Forest Park, Brier, Kenmore, Bothell, Mill Creek, Washington
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Reasons To Get A Home Loan Before You Start Shopping For A Home
You do NOT have to have a home under contract to obtain a home loan. The lender is looking at your credit history and income when considering a loan application.
Some potential home buyers think they will have no problem qualifying for a loan only to be disappointed when they find out they don't. Others may afraid they won't qualify so they don't apply. We often see people who don't think they qualify for a home loan but don't know that many lenders offer loan programs for all types of borrowers.
Avoid disappointment resulting from looking at homes that are out of your price range. Looking at homes in a price range you can afford will keep you from being disappointed if you fall in love with a home only to find out that it is beyond your financial abilities.
Insure that you will meet your moving dead line. Knowing you must move by a certain date and still working on proving you are qualified for a loan can be a stressful experience. The two most common problems are resolving credit issues and proving you have the cash for your down payment and closing costs.
Applying for a loan as soon as possible will insure that any incorrect information in your credit history can be corrected before the closing date. It often takes 60 days or more to have information corrected in your credit files.
Having a Loan Commitment in your hand is like being a cash buyer. Every seller wants to work with cash buyers. It gives you leverage when presenting an offer and negotiating a counter offer. It will insure that the closing process goes smoothly when you do find your new home. Do not mistake a Loan Commitment with a pre-approval or pre-qualification, a pre-approval does not carry much weight with a seller since a pre-approval is only a cursory look at your credit history.
Applying for a home loan online can be a real convenience. You can apply for a mortgage online 24 hours a day 7 days a week. You can apply from your home, office, local library or any location that offers Internet access. No need to take time off work or away from play. Avoids feeling pressured by sitting in a lenders office and allows you ample time to collect all the necessary information.
Be sure you check the rates and fees for several lenders before you decide which one to use. Compare the lender fees, not just the interest rate. Ask each lender to provide you with a "Good Faith Estimate" of closing costs and carefully review it. If you see a fee you don't understand ask the lender to provide a clear explanation of the item. Then ask your real estate Agent to review the Good Faith Estimate. Being more familiar with the forms the Agent can spot any hidden "junk" fees.