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Mortgage Prequalification: Marin County, Mill Valley and Kentfield California home buying, real estate listings, and homes for sale in Marin County, CA

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Marin County, Mill Valley, Kentfield, Ross, Larkspur, Fairfax, San Rafael, Corte Madera, Tiburon, Sausalito, Belvedere and Novato REALTORŽ to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation...

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Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Q	What was considered the world's tallest building one hundred years ago?
A	The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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CWC Financial - Our top priority is you.
Our goal is to simplify the mortgage process and provide you with helpful information regarding your mortgage needs.
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Patti Cohn, REALTORŽ, real estate agent and broker for Marin County, Mill Valley and Kentfield California home listings, property and land for sale - NUMBER1EXPERT(tm)

Patti Cohn
Frank Howard Allen Realtors
511 Sir Francis Drake Blvd.
Greenbrae, CA. 94904
415-925-3285
415-722-4842
Fax: 415-461-5215
patti@bestmarinagent.com
BestMarinAgent.com
Guidemehome2Marin.com

After 20 years and 500 escrows... there are no surprises.

Having served over 500 Marin County clients, I understand what it takes for you to win in this market and know that buying and selling a home can be one of the biggest events in your lifetime. It can be an emotional roller coaster with peak emotions arising during the process. We celebrate that while creating a stable, professional environment and we take pride in our clients feeling of security knowing they have been well-served and their interests always come first.
Ive put together a team of professionals who share my commitment to your absolute satisfaction which allows me to devote more time to you. Ultimately, youll be convinced that we listened to you, that you got the best price possible and had a smooth, seamless process. You can count on us for fast and efficient customer service, follow-through and responsiveness.
Integrating a corporate background in marketing and public relations with Fortune 500 companies, an M.B.A. degree and 20 years experience in the Marin real estate market, I will implement a proven Eight Tier Marketing system that consistently gets my clients more money for their properties in less time than the average agent.
Year after year, ranked in the top 1% of agents nationwide with the top broker in Marin, I offer a 100% service guarantee you deserve professional, honest and ethical service. Ill work with you at your pace I listen and do my homework and you are the boss! Im just a phone call or email away no obligation.

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