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What can I do to get more (or better) quotes for my loan request ZR-TCHWTMY

how much would the mortgage be with 4,000 down on the property at 12 dell street with a va loan or conv loan
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June 13 2011 - Columbus
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You would need to contact a mortgage lender to get pre-approved, as well as a real estate agent to help you make an offer.

The first few steps of the pre-approval process typically go:

1. Meet with a loan officer (this can be face to face or over the phone, I do not recommend solely done via email)
2. Loan officer will explain the process to the homebuyer, what will be done at each milestone, when out of pocket costs should be expected
3. Loan officer and homebuyer will verbally discuss the homebuyers situation, including financials, credit and any special circumstances the homebuyer is in (like getting gift funds, starting a new job in a new area, past employment, etc.)
4. Homebuyer will complete a loan application (this is recommended to do with the loan officer "live", not just simply filling out the application and sending it to the loan officer) and credit is checked
5. Homebuyer will provide loan officer documents the loan officer needs (paycheck stubs, W-2's, tax returns, bank statements, letters of explanation)
6. Loan officer reviews documents and contacts employers for any further required verification (for example averaging overtime, commissions, etc. and clarifying start dates if employment has been less than 2 years), including running the loan through the automated underwriting system (be it FHA, VA or conventional).  If the loan is "borderline" then the loan officer should contact underwriting to get clarification on how any unique aspects of the loan will be handled, and may even go so far as to send the entire loan file to underwriting to have a conditional underwriting approval issued for a "TBD" property address.
7. Loan officer issues a pre-approval letter letting the homebuyer know they are pre-approved for a certain amount
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June 13 2011
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how do I apply for ths home
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June 13 2011
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how do we apply for a loan for this property
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June 13 2011
I could not find an address of 12 Dell St in Columbus, GA.  There is a home for sale at 12 Benning Dell Dr for $74k - is that the one you are talking about?

If so, then you'd probably be looking at about $375/mo for principal & interest, figure another $50/mo for insurance, not sure what property taxes would run but I doubt they'd be more than about $75/mo.
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June 13 2011
 
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