Free Mortgage Prequalification
Get Prequalified For a Home Loan — Get Prequalified First and See How Much You May Be Able To Borrow. No Impact To Your Credit.
If you’re beginning your journey toward buying a home, one of the smartest moves you can make is getting pre-qualified for a mortgage. This important step gives you insight into your buying power, streamlines the search process, and shows sellers that you’re a serious buyer. As Your Safe Money Lady™, I’m here to make the pre-qualification process easy, transparent, and tailored to your unique financial goals. With my experience as a Licensed Mortgage Broker and Certified Professional Retirement Planning Adviser, I’m committed to helping you feel empowered every step of the way to make your homeownership dreams come true.
Why Mortgage Pre-Qualification Matters
Pre-qualification is more than just a number. It offers a realistic estimate of how much home you can afford, making your search process simpler and more focused. Pre-qualification also lets sellers know that you’re ready and financially prepared to buy. This can be especially advantageous in competitive markets where sellers prefer buyers who already have a clear sense of their finances.
My Mission: As someone who’s worked in financial planning and mortgage brokering for years, I strive to help clients make smart, sustainable financial decisions. Through Protecting Your Nest Egg, Inc., I’ve developed a practice centered around safeguarding clients’ financial health. I’m not just here to get you into a mortgage; I’m here to make sure that the mortgage you choose aligns with your future financial security.
Step 1: Connecting with Me, Your Safe Money Lady™
The first step is as simple as a conversation. Every person’s situation is unique, which is why I offer a tailored approach to pre-qualification that considers your goals, income, credit history, and lifestyle. As a Certified Professional Retirement Planning Adviser, I’m well-positioned to look beyond the mortgage and consider your entire financial picture to help you find the best fit for your goals today and tomorrow.
Reach Out: You can call me directly at (954) 261-5200 for an initial consultation. During this call, we’ll discuss your financial goals, current assets, and any questions you have. My goal is to provide clarity and give you peace of mind about every aspect of the mortgage process.
Step 2: Gathering Key Financial Information
Once we’ve connected, the next step is to gather and review your financial information. This includes your income, assets, debts, and credit history. This allows me to give you an accurate pre-qualification estimate and a realistic idea of your buying power.
Credit Score Review
Your credit score plays a huge role in determining the mortgage rates available to you. I can help you understand how your credit impacts your options and, if needed, offer practical ways to improve your score. My approach is to empower my clients with knowledge, so I’ll be here to answer any questions about how your credit profile affects the pre-qualification process.
Income and Debt-to-Income Ratio
One of the key metrics lenders look at is your debt-to-income (DTI) ratio, which shows how much of your monthly income goes toward debt payments. I can help you determine where your DTI stands and whether adjustments might increase your borrowing power. A lower DTI ratio can lead to better mortgage options and rates, giving you more flexibility in your home search.
Down Payment Options
I also take the time to discuss your down payment options and goals. Whether you want to put down a larger amount to reduce monthly payments or need to consider options with a smaller down payment, I’ll work with you to find the strategy that best supports your financial well-being. My focus is on helping you build equity from day one without compromising your financial security.
Step 3: Reviewing Mortgage Options
With my guidance, you’ll gain a comprehensive understanding of your mortgage options. I believe in educating my clients, not just offering loan choices. I’ll walk you through each factor so you can make an informed decision about what works best for you.
Loan Types: Conventional, FHA, VA, and USDA loans each have unique benefits and limitations. I’ll explain the details of each, making it easy for you to choose the one that best fits your needs and situation.
Interest Rates: I keep a close eye on interest rate trends and can discuss how they affect affordability and monthly payments. Together, we’ll decide whether a fixed or adjustable rate makes sense based on your financial situation and tolerance for risk.
Term Length: A 15-year mortgage offers faster equity building but higher monthly payments, while a 30-year loan has lower payments but a longer commitment. I’ll break down the trade-offs of each option so you can choose the term that aligns with your goals.
Step 4: Setting You Up for Success as a Buyer
Pre-qualification is just the beginning. When you’re pre-qualified, you’re a step ahead—both in confidence and in the eyes of sellers and real estate agents. Pre-qualified buyers are often seen as serious contenders, making it easier to get into the home of your dreams, even in competitive markets.
Beyond the pre-qualification, I want to make sure you’re prepared for all the financial aspects of homeownership, from property taxes and insurance to maintenance costs. Together, we’ll create a budget that considers all these factors, so you’re fully prepared for the financial responsibilities that come with homeownership.
Supporting Your Long-Term Financial Health
As a Certified Professional Retirement Planning Adviser, I take a holistic approach to financial well-being. That means helping you find a mortgage that fits not only your current needs but also your future plans—whether that’s saving for retirement, funding your children’s education, or building a nest egg for the future. I’ll work closely with you to ensure your mortgage choice supports your broader financial health.
Why Work with Sharon, Your Safe Money Lady™?
Experience: As both a Licensed Mortgage Broker and Certified Professional Retirement Planning Adviser, I bring years of expertise to guide you in this major financial decision.
Customized Service: I take the time to understand your unique goals, ensuring that your mortgage works for you and fits your personal financial plans.
Future-Focused: I look beyond the immediate mortgage needs to ensure that you’re prepared for financial stability well into the future.
Easy Access: I’m just a phone call away. You can reach me anytime at (954) 261-5200 for answers, guidance, and support in reaching your homeownership dreams.
Ready to Start?
Getting pre-qualified for a mortgage with me, Sharon Ben-David, Your Safe Money Lady™, is a smart choice for any potential homebuyer. My dedication to your financial security and peace of mind goes beyond securing a mortgage; it’s about ensuring a financially sound future. Together, we’ll take the steps to make your homeownership dreams a reality with confidence, knowledge, and security.
Call me today at (954) 261-5200 to schedule your FREE consultation. Let’s get started on your path to homeownership with clarity and confidence, making your dream a sustainable reality.
With my support, you’ll be making one of life’s biggest financial decisions with a steady, knowledgeable partner by your side.
Warm regards,
Sharon, Your Safe Money Lady™
Sharon Ben-David
Phone: (954) 261-5200
Licensed Mortgage Broker, Certified Professional Retirement Planning Adviser, and Financial Advocate
Protecting Your Nest Egg, Inc.
NMLS #2308601
