Estates Director
Society of Excellence
Previews Properties
Specialist
Coldwell Banker Residential
Brokerage
310-395-1133
Kate@SantaMonica
Listings.com
1608 Montana Avenue
Santa Monica, CA 90403 |
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All agents are NOT alike! Find out why I am a top Santa Monica real estate expert. Call me: 310-395-1133.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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I Highly Recommend Kate.
From our first meeting, it was clear to me that I had an ally who could lead, assist, and support me.
TCP, M.D.
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Kate Bransfield is one of The Top
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"Kate possesses a great combination of experience, intuition and compassion that inspired our trust in her as a realtor."
Financing Your Home >Qualifying For A Loan
It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.
Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.
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| Q |
What little-known folk remedy is said to help keep bats away from your home?
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| A |
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
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