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NEW LISTING:
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$175,000
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10.98 acres & an 40' x 50' Metal Shop
more...
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Happy Sellers
We first met Kim & Lynell while they were showing a home near our neighborhood. We went to compare prices versus properties. They were extremely professional and pleasant to talk with, and made us feel at home. We knew we were going to sell our home soon and had not yet decided on a realtor. After our visit, there was no question we would contact Golden Realty and we were pleasantly surprised with the result of our first contact.
Kim must have spent hours comparing properties and values and then presented us with professional comparison book complete with suggestions on how to price it as well as how to show it. All this without any commitment from us. It didn’t take long to decide to use Golden Realty as our realtor and would do so again anytime.
Even in this slowing market Kim was able to sell our home for a good price and walk us through the "whole house inspection" issues.
We felt comfortable that our interest was being cared for at all times and Kim continued to keep us updated as to changes in the market, as well as any other items that arose. We couldn’t have done this without the competent and professional people at Golden Realty.
We recommend Golden Realty to all of you, and if you decide not to use them, we wish you the best of luck, you will need it.
Sincerely-
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Services for Buyers > Preapproval vs. Prequalifying
A Pre-Approval presents a powerful tool for you toward the purchase of that new home with minimum of surprises and disappointments. It presents you as a "cash" buyer to the seller.
 Talk to a Lender
Anyone who wants to buy a home today should go to his or her lender first. The understanding of how much can be borrowed presently reduces the possibility of disappointment later. Your lender can provide guidance as to how to prepare and position you for a home that is currently out of reach.
A realistic understanding of how much loan you can reasonably expect to qualify for is a good step toward the goal of homeownership, and a letter of pre-approval can be the mechanism that makes that happen. There is a distinct difference between a letter of pre-qualification and a letter of pre-approval, and it is important that you be aware of this distinction.
Pre-Qualification
Pre-Qualification means there have been loan calculations made that show how much you "may" be able to borrow. While pre-qualification can reduce the processing time for home loans, indicate how much house you can afford, and provide a certain leverage in bargaining power, it doesn't necessarily guarantee that such a loan will, in fact, be made by a lender.
Pre-Approval
Pre-Approval means you actually have a loan waiting, subject only to finding the home and the home appraising at the sales price. The "pre-approval" letter represents an actual commitment on the part of the lender. In order to secure such a letter it is necessary to complete a formal loan application and pay the associated fees. Credit, salary, and bank funds, will be checked, and if the loan is a good investment, the lender will issue a pre-approved letter that provides a commitment for a limited period of time, subject to a satisfactory property appraisal and title search.
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Kim Heddinger, Principal Broker/Owner CRS, SRES, GRI, ePRO, ALHS
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