These days, everyone is searching for a little more certainty, especially when shopping for a home. If this sounds like you, know that there is an immediate and comforting way to purchase a home in 2020. It's by getting pre-approved for a home loan.
**Skip ahead! Get your mortgage pre-approval letter fast by starting the application today. It only takes a few minutes to complete, and you can do it entirely online.
One of the first benefits of getting pre-approved is getting insight into your financial health and how much home you can afford. One of the first steps we take to get you pre-approved is to check your credit score and analyze your debt-to-income ratio (DTI).
Often, our applicants are surprised at much credit they are awarded! And other times, getting your credit score and DTI where it should be will take a few extra steps. Either way, you'll have peace of mind of knowing exactly where you stand --and this gives the upper hand over most home shoppers out there.
We get it: real estate browsing and imagining your life in a new home is fun. But when you're serious about buying a home, endless scrolling and "guesstimating" affordability will only waste your time and cause you to miss real opportunities. However, with a pre-approval letter on hand, you can browse confidently, without any murky assumptions about your homebuying power.
Another benefit of browsing with pre-approval is that you'll gain a better picture of all the financial obligations of owning a home. Many overlook the costs of HOA fees, insurance, and property taxes. We'll help you determine the "sweet spot" monthly mortgage payment to make your purchase and accompanying costs transparent.
Low-interest rates and low property inventory means facing competition. And when your dream home is at stake, you want every advantage over other home shoppers. That's where your pre-approval can help you once again! An offer from a pre-approved buyer generally carries more weight than a similar offer from an interested party without pre-approval.
Finding stability where you can is more important than ever before, and this pandemic doesn't have to wreck your homeownership aspirations. Get pre-approval today so you can browse and bid with confidence in one of the lowest interest rate environments the US has ever seen!
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 226032
350 Main Street #D
Seal Beach, California 90740
Emac Financial strives to ensure that its services are accessible to people with disabilities. Emac Financial has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Emac Financial makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows www.emacloans.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).
Emac Financial accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
Emac Financial continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on Emac Financial website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
If you are experiencing difficulty with any content on Emac Financial website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: Loanguymatt@gmail.com