KuberFi
Mortgage Expert Team, and
Katie Nanney
Real Estate Advisor
Your Trusted Partners for Seamless Homebuying and Expert Real Estate Guidance
THE FIRST STEP:
Getting Pre-Approved for a Mortgage
Call: (248) 795-5139
If you want to buy a home in 2024, getting pre-approved is really important. More people are starting to buy homes, so having pre-approval helps you make a strong offer that stands out.
Why Pre-Approval Matters:
- When you get pre-approved for a mortgage, it means a lender looks at your finances and decides how much you is the maximum mortgage amount you are qualified to borrow.
- Pre-approval signals to sellers that you are a serious and qualified buyer.
- Enhances your bargaining position, potentially leading to more favorable terms and a smoother transaction.
- Provides a clear understanding of the loan amount you qualify for, helping you focus on homes within your budget.
- Minimizes the risk of falling in love with a property that may be financially out of reach.
- Streamlines the mortgage approval process, reducing the time it takes to finalize your home purchase.
- Gives you a competitive edge in a fast-paced real estate market, increasing the likelihood of securing your desired property.
Documentation Checklist:
- Provide a valid government-issued ID, such as a driver’s license or passport.
- Non-citizens may need to submit additional documentation, such as a green card or visa.
- Include recent pay stubs or proof of income, showcasing your financial stability.
- Self-employed individuals may need to provide tax returns and profit and loss statements.
- Furnish bank statements detailing savings, checking, and investment accounts.
- Disclose outstanding debts, such as credit card balances, loans, or other financial obligations.
KuberFi Team
I’m Romy Patel, a dedicated Senior Mortgage Consultant committed to serving my clients around the clock.
Client savings take priority. Unlike big banks and lenders driven by sales targets and massive break-evens, my focus is solely on assisting you. I provide help through transparency, efficiency, and unwavering dedication.
First Time Home Buyer?
What to do Before, During and After buying your home?
BEFORE
- Determine a down payment amount based on your available funds.
- Define a monthly payment amount that fits into your budget.
- Start gathering important income and asset documents.
- Get a pre-approval letter. Connect with a KuberFi team member. We will send you pre-approval within an hour of your pre-approval request.
- Consult with Katie Nanney – Your Trusted Real Estate Advisor.
- Shop for your home.
- Make an offer. Consider asking for the seller’s contributions to assist in paying your closing fees and any remaining taxes for the year.
DURING
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Consider a home inspection.
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A home appraisal will be completed to determine the value of the property.
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Do a final walk-through.
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Sign final closing documents.
AFTER
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Transfer utilities.
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Change your address with the United States Postal Service.
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Celebrate.
KuberFi Team
I’m Kuldip Bhatt, specializing in resolving intricate loan scenarios to turn my clients’ homeownership dreams into reality.
While lenders view it as just another transaction, for you (Home Buyer), it’s the most significant investment and financial decision of your life. You deserve a lender who prioritizes your journey, ready to navigate any challenges during the mortgage process. Think of it like an airplane ride; your pilot must be in full control and reliable.
Testimonials
Excellent communication and easy to deal with. Had a pleasure and hassle free transaction for my purchase. Received competitive offer and also very good guidance.
A Das
I have done a few mortgages, and refi. So far, not a single one was so friendly, persuasive and standing with me at every rough patch during this journey. Truthfully, you have win us over.
AR Shah
Definitely recommend to friends. Came up with several options and explained benefits of each option. Excellent team to work with.