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Mortgage Prequalification: Kingman, Bullhead City and Lake Havasu City Arizona home buying, real estate listings, and homes for sale in Mohave County, AZ

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 Kingman, Bullhead City and Lake Havasu City Realtor to offer services such as these.

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

	About You
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	About Your Move
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	About Your Home Search
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	Loan Info
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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the most unusual maintenance project done once each year in the United States?
A	The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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West USA Realty Warring & Associates, REALTORŽ, real estate agents and broker for Kingman, Bullhead City and Lake Havasu City Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Lori Warring
West USA Realty Warring & Associates
510 E. Beale Street
Kingman, AZ 86401
Office: 928 692 9872
Toll Free: 800 241-8623
Cell: 928 303 1205
Fax: 928 753-8911
Email: LoriWarring@NUMBER1EXPERT.com
Why West USA Realty? Because our goal is to serve the client and, with our state-of-the-art systems, our service soars above the competition. First, our listing system provides our agents with Kingman, Lake Havasu City, and Bullhead City real estate listings other agencies dont have. Then, our automated call coordinating system routes calls directly to each agent, or messages their e-mail directly, for pickup wherever they are. We are the only office open 7 days a week, until 7 pm weekdays, for your convenience. Our hiring process is rigorous, and our agents are highly trained, with specialties in relocation, investments, special needs, vacant land, etc. We attend regular meetings to keep abreast of Kingman area real estate developments. And, after serving each client, we have checklists and surveys to make sure their needs have been met. Quality Service is a cliché nowadays we dont use the term in our advertising, because our extremely high approval rating proves it every day!

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