Buying a home is a huge step. First home, investment property, or your dream home, it is one of the biggest investments you will make. Your purchase will be as important to me as it is to you, and we have all the experts to ensure a seamless transaction.
I work with you to go over your budget to see what house payment you can afford without over reaching.
I will review you credit situation, and can make recommendations for how to best position yourself to get the best rate. I can also run a simulator that shows exactly what to do to get your score up to qualify or get the best rate.
I get you a pre-approval letter that you can use with your real estate agent to make offers on properties. Knowing you can obtain a loan gives you an advantage over offers without a pre-approval.
Don't have a realtor yet? I work with some of the best realtors in the area and can recommend someone specific to your needs. I can also recommend some great insurance agents that can save you on your monthly payments.
I walk you through every step of the loan process including gathering documents, locking you into the lowest interest rate possible, finding the best loan type for your unique situation, underwriting, and preparing for closing.
On the day of closing you sign all the documents transferring the property to you and signing the loan note. I make sure there are no surprises for you and work with your realtor to ensure we close on time. Then it's time to get the keys and make lasting memories in your new home.
My name is Tom Kalagher and I'll work hard to get you the best deal on a mortgage or refinance possible. I live and work in Fairhope, AL but service most of the Gulf Coast. Please email or call me for information, and if your schedule makes M-F 9-4 banking hours difficult I can work with your schedule.
Not sure if you will qualify? Want to increase your credit score to qualify for a better interest rate? Get your scores and a complete credit review. I can even run a simulation to tell you the exact actions you need to take for your score to increase to your target and get you approved. No more guessing, know wha
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