Naples Real Estate, Rental, and Property Management Services

We have been helping our customers buy, sell, rent and own property in Naples for over 12 years. We have all the usual credentials but our customers tell us that what really makes us unique is our knowledge of the Naples market and exceptional customer service.

Christine Dike has been providing incomparable Real Estate Services, Rental Services, and Property Management Services in Naples, Golden Gate Estates, Bonita Springs and Estero, Florida, for over 10 years.  Broker-Owner of ToastyinNaples.com Realty she will take care of you every step of the way on your real estate journey whether you are buying, selling, renting a home or condo for the week, month or year, or investing in rental property.

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Taking the Fear Out of the Mortgage Process

November 6, 2019
The mortgage process is lengthy and time consuming but doesn’t have to be scary.  Organization is the key and keeping on top of the documents you will need to send probably more than once!  Pre-approval by a professional mortgage broker is also very important.  When you have that pre-approval letter we will know how much you are able to afford and can look at homes in that price range.  You will also need this letter when you place an offer to assure the seller that you have the money to qualify for the mortgage you are seeking.  None of this needs to be scary though, contact me first and we will work together to find you the perfect mortgage company for your needs.  And, then the fun starts, and we can find your home!

Courtesy of Keeping Current Matters 2019

Taking the Fear Out of the Mortgage Process | MyKCM

A considerable number of potential buyers shy away from the real estate market because they’re uncertain about the buying process – particularly when it comes to qualifying for a mortgage.

For many, the mortgage process can be scary, but it doesn’t have to be! 

In order to qualify in today’s market, you’ll need a down payment (the average down payment on all loans last year was 5%, with many buyers putting down 3% or less), a stable income, and a good credit history.

Once you’re ready to apply, here are 5 easy steps Freddie Mac suggests to follow:

  1. Find out your current credit history and credit score– Even if you don’t have perfect credit, you may already qualify for a loan. The average FICO Score® for all closed loans in September was 737, according to Ellie Mae.
  2. Start gathering all of your documentation– This includes income verification (such as W-2 forms or tax returns), credit history, and assets (such as bank statements to verify your savings).
  3. Contact a professional– Your real estate agent will be able to recommend a loan officer who can help you develop a spending plan, as well as help you determine how much home you can afford.
  4. Consult with your lender– He or she will review your income, expenses, and financial goals in order to determine the type and amount of mortgage you qualify for.
  5. Talk to your lender about pre-approval– A pre-approval letter provides an estimate of what you might be able to borrow (provided your financial status doesn’t change) and demonstrates to home sellers that you’re serious about buying.

Bottom Line

Do your research, reach out to professionals, stick to your budget, and be sure you’re ready to take on the financial responsibilities of becoming a homeowner.