Top Gun Brokers Real Estate

We Understand!

At Top Gun Brokers, we understand two very important principles about buyers and home loans:

1. Every buyer is uncomfortable discussing personal finances
2. An offer to purchase a home without a letter of pre-approval is a weak offer.

If you seriously want to buy a home, you must overcome principle number one! No one can typically buy a home without disclosing their financial circumstances.

During the initial consultation with Top Gun Brokers, the issue of financial qualification will come up. We don't personally need to know your entire income, expense and credit history. But we do need to be assured that you are taking the steps to become financially qualified by a lender to buy a home before you actually go shopping.

Making an offer when you have a loan pre-approval letter in hand is almost as good as making a cash offer. Sellers weigh offers based on the strength of the buyer's financial capacity to actually complete the transaction. A pre-approval letter tells the seller that you can in fact buy the home! This is the strongest negotiating position for a buyer.

Five Great Reasons
to get Pre-Qualified By A Lender

	1. You will know in advance what your payments will be.
	2. You won't have to waste time considering homes you cannot afford.
	3. You can shop in advance for the best loan program.
	4. Sellers will find your offer-to-purchase more favorable when your offer is accompanied by a lender's letter of pre-qualification.
	5. You will enjoy increased loyalty from your agent. Buyers aren't considered "serious" until they take the pre-qualification step. Get Pre-Qualified

There is a huge difference between pre-qualification and pre-approval. A pre-qualification simply means that, from the figures you provide, you should be able to qualify for a home loan of a specific dollar amount. A pre-approval means all of this, plus the lender has confirmed your credit history and verified income, assets, liabilities, and source of down payment funds.

We want to make it easy for you to overcome any discomfort you may feel when you start to talk about your finances. For this reason, if you do not have a relationship with a mortgage lender, we can help you get pre-approved by introducing you to lenders whom we trust. While you are under no obligation to use any lender we might refer you to, we have developed associations which have proved to be reliable and competitive.

Then you will a more informed consumer, able to make better decisions about your home loan.

Testimonials

We recently wanted to upgrade to a larger home but we were afraid to get in over our heads since we did not want to sell our current home, but keep it as an investment property.

Oscar and his team at Top Gun Brokers were there for us every step of the way, they took extra care to make sure every detail of the purchase from the pre-qualification through the day of closing was thoroughly explained to our satisfaction, they got us a qualified pre-screened renter for our former home and took care of all those details as well.

We can not say enough good things about Oscar and his staff, we highly recommended them to all our friends and colleagues that are in need of a true real estate Top Gun.

Dr. & Mrs. Angelo L.

Miami, Florida

******

When everybody else failed, Oscar and his team took over, got a contract on our home, got the short sale approved and closed in fifty one days. The difference was hiring a certified short sales specialist.

Thanks Top Gun Brokers, you got us out of a huge problem when you helped us avoid foreclosure and sold our home in record time.

Bert and Sorina D.

Ft. Lauderdale, FL

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