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Mortgage Prequalification: Greater Hartford, West Hartford and Farmington Valley Connecticut home buying, real estate listings, and homes for sale in Hartford County, CT

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, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Greater Hartford, West Hartford and Farmington Valley Realtors to offer services such as these.

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

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Closing or Settlement >The Settlement

The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.

When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.

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Q	Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?
A	Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year.
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Joanne Hoye and John Hoye, REALTORŽ, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanne Hoye and John Hoye
Prudential Connecticut Realty
1000 Farmington Ave
West Hartford, CT 06107
(P): 860-561-8007
(F): 860-233-7313
(E) : jhoye@snet.net
JOANNE HOYE is a 4th Generation real estate professional in Greater Hartford Connecticut. She has 30+ years of experience in both buying and selling Real Estate. She works in all markets from starter homes to luxury properties and handles all phases of new construction and land development as well. In addition she markets antique properties! She is a Certified Residential Broker who is a consistent top producer. She has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing her amoung the top 1% and 2% of agents nationwide. She provides excellent service and gets results for you.!.........JOHN HOYE is a 5th Generation real estate broker in Greater Hartford Connecticut, providing outstanding service dedicated to meeting your Real Estate needs. He has 10 years experience buying and selling Real Estate. He has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing him amoung the top 1% and 2% of agents nationwide. Like Joanne he too works in all markets from starter homes to luxury properties. Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

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