Temple and Belton real estate and homes for sale in Texas - Joanna Moore, REALTOR® Joanna Moore REALTOR(r) for Temple and Belton, Texas real estate - NUMBER1EXPERT™ Joanna Moore NUMBER1EXPERT(tm) for Temple and Belton, Texas real estate
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Joanna Moore, REALTOR®, real estate agent and broker for Temple and Belton Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 254-771-3633.


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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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You Are Very Good At What You Do!
Thank you ever so much.
Mark & Shelley Coston, Temple, Texas
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Mortgage Prequalification: Temple and Belton Texas home buying, real estate listings, and homes for sale in Bell                           County, TX
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 Temple and Belton 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!
 

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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
What is the role of the U.S. Housing Authority?

A 
Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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Joanna Moore, REALTOR®, real estate agent and broker for Temple and Belton Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanna Moore
RE/MAX Temple-Belton

4016 S. 31st St., Suite 200
Temple, TX. 76502
254-771-3633
254-718-7111
Fax: 254-771-3674
Email: joanna-moore@NUMBER1EXPERT.com

Joanna Moore has long been recognized as a leader and guiding influence in Temple’s real estate industry. She brings a wealth of experience with her: 28 years experience in the real estate business, a Certified Residential Specialist and an Accredited Buyers’ Representative. She is a RE/MAX International “Hall of Fame” member and was in the RE/MAX International “Platinum Club” for the years 1994, 1995, 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006 and 2007. Joanna is highly qualified to meet all of your real estate needs. She has been awarded the “Lifetime Achievement Award” and the "Chairman's Club Award". Top 20 in Texas!

ABRCRSCRSEqual HousingERCMLSREALTOR


RE/MAX Temple-Belton real estate and homes for sale in Temple and Belton Texas

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