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Contact Me

Debbie Sundlie, NMLS #247830
401 Davis Street, Suite B, Vacaville, CA 95688
dsundlie@masonmac.com  |  Tel: 707-564-3159

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FIRST-TIME HOME BUYER PROGRAM

So you’ve found a home of your dreams and are on your way to being a first-time homebuyer. Only how are you going to pay for your new home? If you are like most Americans, you’ll need to finance your new home by getting a home loan—also known as a mortgage.

APPLY FOR A MORTGAGE

When applying for a mortgage, it is important that you have a basic understanding of the process. Knowing what’s involved in the mortgage application process can make things a lot easier. Take some time to educate yourself.

DOWN PAYMENT

A Down Payment is an amount that you will be putting down towards the purchase of a home.  The amount of your down payment will depend on a variety of factors, such as the amount of money you have saved for your home purchase and your current financial situation.

QUALIFYING RATIOS

Lenders use formulas called qualifying ratios to calculate how much of a mortgage you qualify for. These ratios are based on your gross monthly income, your housing expenses, and your long-term debt.

PRE-QUALIFY FOR A HOME LOAN

Absolutely! Even if you haven’t so much as picked out houses to visit yet, it’s important to see your mortgage professional first and pre-qualify for your home loan. Why? What can we do for you if you haven’t negotiated a price and don’t know how much you want to borrow?

SELECTING A MORTGAGE

Like homes, home mortgages come in all shapes and sizes: short-term, long-term, fixed, adjustable, jumbo, these are all terms that will soon be familiar to you, if they’re not already. There’s a mortgage out there that’s right for you. 

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