When you begin to look at real estate here in La Jolla, California, you and your La Jolla, California Real Estate Agent should be aware of how much you can afford, or more importantly, how much a lender will give you to purchase your new home. To determine this, you can schedule a meeting with a mortgage company professional, free of obligation, to get “Pre-qualified”.

Taking the time to do this will not only keep you from wasting time on homes above your price range, but as we could tell you here at Whitney and Associates Real Estate, some Agents will not agree to show you homes without some kind of formal estimate. You also might be pleasantly surprised that you can afford more than you think with the mortgages available.

Gregg and Lisa Whitney believe it is always helpful for Buyers to ask friends, family, and associates if they can refer a lender, and it is every Buyer’s right to talk to as many lenders as they like. Gregg and Lisa’s partnership, also known as Whitney and Associates, has a proven, long-term track record of successful real estate sales in the La Jolla, California Real Estate Market. Gregg and Lisa Whitney work with seasoned experts in the mortgage field specializing in La Jolla, California home financing and would be happy to refer a good lender or mortgage broker to you if needed.

When you set up an appointment, bring as much information about your finance situation as possible, including your income, any current debts, and the amount of cash you will have for the down payment. It is also very important to be honest in the way you provide your finance information, because after all the documentation is filled out during the actual process, everything will be revealed anyway. Not to mention that if you are pre-approved for the home of your dreams, to be turned down later because you withheld information will only be that much more disappointing.

When you meet with a lender, they will also run a credit report, which costs anywhere from twenty-five to one hundred dollars. This will reveal any negative part of your finances, however, some of which can be removed from the report. Hence, it would be best to check your credit on your own first, because any cleaning up can take thirty to one hundred and eighty days. Also, when you do finally get through the process of being pre-approved, you will receive a letter stating the exact amount. It is always helpful to bring this to the real estate specialist who is helping you find La Jolla, California homes for sale.

At Whitney and Associates, we are the right choice for the buying or selling of a home in La, Jolla, California.
Have any questions or like to learn more? Use our handy form on the side of the page to contact Gregg and Lisa Whitney. You will see that we only require your email address. Gregg and Lisa Whitney understand that your privacy is important to you and we respect that. We do not share your information with anyone without your permission.

Gregg and Lisa Whitney realize that you are probably in the information gathering stage of your process, and we want to provide assistance to you in any of your La Jolla, California Real Estate needs. If you would like to talk to Gregg or Lisa Whitney in person, feel free to call Whitney and Associates at our main line at 858-456-3282.

When you are ready to invest in the real estate market let us help you. After all, we are the experts in La Jolla, California Real Estate.

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