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 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. 

Below are the names and phone numbers for two local lenders who, I feel, are great to work with. Call one, or both, for your mortgage prequaifing questions. 

Margot Zen
Diversified Mortgage
work: (888)709-2777
cell: (805)708-3216
margotzen@dmortgage.biz 

Randi Maier
Wells Fargo
work: (760)924-2270
cell: (760)914-0676
randi.maier@wellsfargo.com