Orange County Real Estate FAQ
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Your Initial Meeting with a Mortgage Professional at Mac & Waters Mortgage
The loan approval process generally begins with an initial interview where you and a mortgage professional discuss the potential loan. You will need to send information to us to verify your income and long term debts.
You may prefer to talk with Mac & Waters Mortgage before house hunting to determine in advance how much you can afford and the mortgage amount for which you can qualify. This step is called pre-qualification and can save you time and trouble by making certain you are looking in the correct price range.
To complete the 1003 Mortgage Application, you will need to gather:
• A purchase contract for the house (if you have one)
• Your bank account numbers and the address of your bank branch, along with checking and savings account statements for the previous 2-3 months
• Pay stubs, W2 withholding forms, tax returns for two years, or other proof of employment and income verification
• Credit card bills for the past few billing periods, or canceled checks for rent or utility bill payments, to show payment history and amount of revolving debt
• Information on other consumer debt such as car loans, furniture loans, student loans and retail credit cards
• Balance sheets and tax returns, if you are self-employed
• Any gift letters, if you are using a gift from a parent or relative or other organization to help pay the down payment and/or closing costs. This letter simply states that the money is in fact a gift and will not have to be repaid.
Having these items on hand when you visit the mortgage company will help speed up the application process. Usually an appraisal fee will have to be paid when you submit the mortgage application. After you speak with us, you should have a general idea if you qualify for the size and type of loan you want. After the mortgage application, we will let you know if you qualify for the loan within a couple of days.
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Click on City Below for Real Estate in that City
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Orange County real estate can be acccessed by city from the cities listed below. Orange County Shopping is going to great lengths to provide you with the best possible access to Orange County real estate information over all of Orange County. To make this possible we a currently putting together a group of around forty of the top realtors in Orange County. We will be providing you information from the best of the best. Please bear with us as we go through this process.
If you are a real estate professional and would like to be listed here, please contact us.
If you're interested in leasing Orange County Commercial Property in a particular location, go to the Orange County city map page, click on a city, then click on Shopping Centers and find the shopping center you're interested in. We are currently adding to our list of shopping centers. We list the property management company wherever we can. If you manage Orange County commercial property and would like to be listed here, please contact us
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