No doubt it’s great to be a buyer in today’s real estate market. Downturns like the one we are currently in are money makers and opportunities to buy low, with incentives like the tax credit, low interest rates to help. Below I have a number of resources which will help your buying experience.
Watch this short video about my Mortgage Concierge process below.
Step #1 Get Pre-Approved First
Because lending rules have changed so much and continue to modify almost weekly between Fannie/Freddie and individual investors, it’s important to talk to someone first. A realtor will also require that you are preapproved first before seeing homes. There are a number of ways to get preapproved with me like email (chad@apollomortgages.com) phone (303-733-5950 x248), in person or my mortgage concierge form (PDF).
Step #2 Become Educated
Technology is a wondful too especially for Real Estate. Everything is accessable online, Free Property searches, valuations, EContracts, subscriptions, blogs, etc. Problem is only a fraction of that info is useful to your needs. Loan programs are numerous and constantly changing rates and terms are advertised, but with no context. Properties pop up and then disappear. I have the tools to get you focused in on your goal, weed thru the advertisements and get to the meat and potatoes of the deal. Check out my Purchase Flow Chart for a good summary of what to expect
#3 Work with the Best
I have been in this business since 1999 and I love what I’m doing so much that I got my Real Estate Licence back in 2003. Due to regulatory changes I had to deactivate my Real Estate license in Nov 2009 but have a wealth of information (and experience) about the Real Estate transaction which very few lenders have. You can research my social bio at DandyID. I am fully licensed by the State of Colorado, #MB100018433. I hold the Certified Mortgage Lender Designation (CML) and attend host many ongoing industry courses. Here’s what others have said about me.
#4 Have fun shopping
Truthfully, the job of a loan officer isn’t too glamorous since it’s a lot of computer work, communication, number crunching and coordinating. But what is fun is hearing about your likes and dislikes, finding a gem at a good price, getting an offer accepted, locking in a great rate, having a smooth closing, and finally getting moved in. You don’t get to do this too often, so enjoy the ride!
#5 Getting to closing
Check out my Flow Chart which will help you step by step in seeing how you get from application to closing. Communication is key and that’s why you and all parties involved will get continious communication from me about the status of your mortage.
Get my Contact info now by texting ‘Bergman’ to 50500
I look forward helping you get home!
Chad Bergman, CML
Mortgage Planner
P. 303-875-2240
e. sold@chadbergman.com
