Mission Viejo, Rancho Santa Margarita and Orange County real estate and homes for sale in California, Orange County - Joyce and John Gothard, REALTORS® Joyce and John Gothard REALTORS(r) for Mission Viejo, Rancho Santa Margarita and Orange County, California real estate - NUMBER1EXPERTS™ Joyce and John Gothard NUMBER1EXPERTS(tm) for Mission Viejo, Rancho Santa Margarita and Orange County, California real estate

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Joyce and John Gothard, REALTORŪ, real estate agents and broker for Mission Viejo, Rancho Santa Margarita and Orange County California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 949-454-8500.


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Mortgage Prequalification: Mission Viejo, Rancho Santa Margarita and Orange County California home buying, real estate listings, and homes for sale in Orange County County, CA
Welcome > For Buyers > Mortgage Prequalification ...


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 home or land 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. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone. John is a certified mortgage broker and will be happy to help you secure the best loan out there that matches your requirements. If you have a favorite loan broker we will be happy to work with him or her at your direction. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Orange County REALTORSŪ to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Making An Offer >Creative Offers

Putting together an offer on a home is easy if the buyer has a lot of money, a terrific job and impeccable credit. Many buyers are not in that precise situation, however. And while sellers like to get their asking price, good listing agents prepare them for the possibility of receiving offers that involve some compromises.

Successful real estate agents know how to put together creative offers and do whatever it takes to make a transaction work. If a buyer is low on cash, the agent may structure an offer that shifts closing costs to the seller, minimizing the amount of cash that the buyer needs to close. A variation of a lease purchase arrangement might be effective if a buyer has recently changed jobs or is self-employed. Owner-financing for part of the loan can make a difference in some cases. If your agent brings you a complex offer designed to get a buyer into your home, don't say "no" until you understand the offer.

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Real Estate Trivia
Q 
Which islands are considered the largest islands in the US?

A 
The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles.
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Joyce and John Gothard, REALTORŪ, real estate agents and broker for Mission Viejo, Rancho Santa Margarita and Orange County California home listings, property and land for sale - NUMBER1EXPERT(tm)

Joyce and John Gothard
GMS Properties

22996 El Toro Road, Suite 120
Lake Forest, CA, 92630
949-454-8500
888-454-8500
Fax: 949-830-4200
john@gmsproperties.com

Joyce & John Gothard have been licensed Real Estate Brokers in Orange County Since 1985 and have owned and operated GMS Properties since 1988. They pride themselves on providing the best mix of Experience, Expertise and Customer Service available in the real estate industry today and are committed to living up to their motto: "ALWAYS . . . A 200% EFFORT" in their dealings with their clients.

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