Your First Mortgage

Buying your first home is a complex, detailed and lengthy process. Because buying a home is a major decision, it is very important to make sure you are dealing with highly experienced professionals, who can guide you through the process from start to finish.

At Hotchkiss Financial we take you by the hand and guide you every step of the way beginning with a sit down meeting to discuss the loan application analyzing your income, current debts and available down payment and arrive at a loan amount that you can be approved for and that you will be comfortable with. Many times borrowers will qualify for a loan amount that is larger than the loan amount they are comfortable with. It is important to have the comfort level discussion. (This is called the loan prequalification step) During the prequalification step Hotchkiss Financial also gets you pre-approved for the loan you have been prequalified for so when you find a home your offer will be preferred over others because you are pre-approved.

The next step is to get you with a Realtor who will be patient and show you properties that are priced in the range that fits your pre-qualification and comfort loan amount.

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