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Typically, your real estate agent can answer many questions related to your transaction, but he is really NOT an expert in the financing portion. At Pacific Southland Properties however, many of our real estate agents are also trained in mortgage lending and can provide these services in finding excellent financing for you. We want you to be aware that you may secure your loan from any lender or any source, but we can provide those services in most instances through our company. The job of your lender is to work hand in hand with your real esate agent to assist you in obtaining financing for the purchase. He will determine an amount you should be eligible to borrow for the realtor to use in search parameters, and will handle your application and issues related to actually getting funded within the escrow period. He will issue a "prequalification letter" to show good faith in your offer to the seller of the home you ultimately select. The lender may be a direct lender, such as your bank or savings and loan, or a mortgage broker who works with many different types of programs. Unless you have an extremely beneficial situation with your bank, you will probably find the most success with a broker, simply because of the number of options he can find for you. You will have plenty of time to make your final decision; at the start, get your real estate agent to recommend a lender to go through the prequalification procedure. You can "comparison shop" later.

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