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| Tuesday, May 13, 2008 8:54:20 AM EDT | Home | Search Homes | Featured Properties | Email Dave |
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Fort Lauderdale Luxury Condominiums
Click here to view Fort Lauderdale's newest and most prestigious luxury waterfront & in-town condominium developments! |
Get In Touch With
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Free Market Anaylsis! Get the facts about pricing your Fort Lauderdale area home before selling. |
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Select the level of Real Estate services that best suite your individual selling needs!
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You’ve found your South Florida dream home. Now use my Mortgage Calculator to dertermine monthly payments with various downpayment scenarios. |
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Here is what some of my customers are saying. . . "Thank you for all of your help in getting our condo sold, and the things you did above and beyond being a Realtor. We really appreciated it. You are one of the best!" |
| The Kirby's |
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"David Stump was my 3rd realtor and by far the most attentive and responsive real estate agent of the bunch. He really took the time to listen to me and he made me feel like everything was under control and being handled properly. Being in Michigan, it was a great comfort to know that someone I could trust was looking out for my condo down in Florida. Since our building didnt allow lock boxes he was there at each and every showing and provided me with feedback on each showing. The other two agents didnt even call to ask the showing agent what their customers thought of the place. Another big difference between Dave and the other two agents was that he advertised the heck out of my property which I do believe was what brought in the buyer. I can't say enough good things about him. I know if you deciede to list your home with him you will be as pleased with him as I am." |
| Eric O. |
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"Thank you so much for all your hard work and help! You have made our dreams come true and the start of a new chapter in our lives. You could always make me laugh with your wonderful sense of humor. You are the greatest...thanks for everything!!" |
| Kevin & Nicole |
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"Thanks a million for all the help and guidance you have given me over the last five months. You are one in a million and the best Real Estate agent ever!" |
| Jonathan B. |
 Ocean View Int'l Realty, Inc. 888 E. Las Olas Blvd. Suite 510 Fort Lauderdale, Fl 33301 Direct: (954)560-2030 Office: (954)467-6300 Fax: (954)935-9990 |
Getting Pre Qualified for a Mortgage Loan
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We cannot over emphasize the importance of getting prequalified for a mortgage prior to your home search.
Many savvy sellers are now requiring that offers to purchase their home be accompanied by a prequalification
letter. And that's a good thing - for them and you. Sellers want to know that the person that they are negotiating with can secure financing for their new home. And you certainly don't want to waste your time getting excited about a piece of property that you can't get financed. If you and another person are both interested in one home, the seller is more likely to work with the person who is already prequalified, because they do not want to take a chance that the other person will not get approved for a loan. The first thing that you will want to do is to seek out a few lenders and compare rates. You can do this online or you can call up a bank or mortgage broker. Once you have determined the current "going rates" you can go to the mortgage calculator and plug in various purchase prices and interest rates in order to get an idea of how much your monthly payment will be and how much cash you will need at the closing table. Lenders will ask you typical "loan application" type questions to find out if you prequalify. They will need to know how much money you earn, the total of all of your bills and your past credit history. Here are some of the factors that will determine your prequalification level.
Once you have your prequalification letter, do not make any significant purchases on your credit cards. In other words, don't go out and charge up a house full of new furniture, buy a car, or get a consolidation loan. Your prequalification was based on the information you gave when you applied for the loan. Don't do anything to change your credit standing or level of indebtedness until after you have closed on your new home. |
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