Napa, Yountville and St. Helena real estate and homes for sale in California, wine country, vineyards - Charles Bogue, REALTOR® Charles Bogue REALTOR(r) for Napa, Yountville and St. Helena, California real estate, wine country, vineyards - NUMBER1EXPERT™ Charles Bogue NUMBER1EXPERT(tm) for Napa, Yountville and St. Helena, California real estate, wine country, vineyards
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Charles Bogue, REALTORŪ, real estate agent and broker for Napa, Yountville and St. Helena California home listings, property and land for sale - NUMBER1EXPERT(tm)


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Mortgage Prequalification: Napa, Yountville and St. Helena California home buying, real estate listings, and homes for sale in Napa 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 Napa, Yountville and St. Helena REALTORŪ 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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Real Estate Tips
Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
Where would you go if you wished to stay in the world's most expensive hotel room?

A 
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night.
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Charles Bogue, REALTORŪ, real estate agent and broker for Napa, Yountville and St. Helena California home listings, property and land for sale - NUMBER1EXPERT(tm)

Charles Bogue
Coldwell Banker Brokers of the Valley

1775 Lincoln Avenue
Napa, CA. 94558
Phone: 707-258-5221
Mobile: 707-486-5511
Fax: 707-253-1042
Email: iknownapavalley@NUMBER1EXPERT.com

Charles Bogue's goal is to simply and quickly give you current, quality information so that you can achieve your real estate goals. He is in the top 2% of Coldwell Banker REALTORS in the nation. If a past or present client has referred you, he likes that. If you want to contact him because you want to know what is happening now in Napa Valley Real Estate, you are in the right place. If you cannot find the information you need at his site, send any and all questions to cbnapa@napanet.net and he will get the answer for you. Put his twenty years of Napa Valley real estate experience to work for you!

Equal HousingMLSREALTOR


Coldwell Banker Brokers of the Valley real estate and homes for sale in Napa, Yountville and St. Helena California

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