Buy • Sell • Lease    San Antonio, TX    

 Homes • Townhomes • Condos • Apartments       

210.400.5314                mail@terrabellasatx.com       

Most real estate agents and lenders recommend that home buyers get pre-qualified before selecting a home to purchase. Being well informed about the costs of purchasing a home, up front, will give you a chance to work out any problems that may arise without the pressure of contract deadlines.

Our Buyer Pre-Qualification Service is FREE! We can help you determine which loan programs you qualify for and which program best fits your needs. You will know exactly how much you qualify for and what the down payment and closing costs will be.

If you are a first-time home buyer, a teacher, an officer, or a veteran, you may be able to qualify for special programs which may allow you to afford more home for your money.

Many people never attempt to buy a home because they believe that they need to have spectacular credit and a huge down payment. This could not be further from the truth. The truth is, that we have helped many clients walk into their new homes with little or nothing down and with less than spectacular credit.

More about home loans..

Closing Costs - No matter what home you buy, there will be closing costs. These can include: discount points, title insurance, escrow fees, attorney fees, document preparation fees, notary fees, and loan underwriting fees. Usually these costs are due in cash, but sometimes they can be "rolled" into the mortgage.

Loan Qualification - The size of the mortgage you qualify for is based mainly on the interest rate offered and your income. The higher the interest rate, the higher the monthly payment. The higher the monthly payment, the more income you will need to qualify for the mortgage.

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