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Florida Home Buying and Mortgage Loans

It can be overwhelming as a first-time homebuyer to understand all the mortgage options that are out there. Pacific Lending Group makes the pre-qualification process easy and stress-free, with no added cost to you. With highly competitive rates, the journey of home buying will result in a wonderfully happy ending. Choosing your first home can feel overwhelming and stressful. Some factors come into play for each family searching the market. Size and price are two primary components for choosing the home that will best suit your family.

Features, floor plan, and location are essential things to think about when buying your first home. Helping Southern Floridians get set up for success when purchasing the home of their dreams. There are tips and tricks to ensure that you find the home that is best for you. Pacific Lending Group has professionals ready to get you on the right path to home buying.

First-time buyers often rush into choosing a home, but taking your time and finding the right location, floorplan, and style is important. Taking a steady pace will ease your mind and give you time to acquire the home that best fits your family.

Let Pacific Lending Group help you with all of your lending and mortgage needs. Knowing the correct information to get on the right path will make all the difference. Explore your home mortgage options with us and get started on the way to homeownership. Call today at 954-227-4727

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Selling Your Home During COVID-19

The COVID-19 pandemic has changed many aspects of our lives, but it doesn’t have to keep you from putting your house on the market. You have the opportunity to sell your home while making it a top priority while following all COVID-19 safety guidelines. Even during a pandemic, Pacific Lending Group want their customers to feel as though they can have some type of normalcy and control when it comes to the process of selling their home. Here are some helpful tips for successfully selling your home.

The first step to getting a home sold is getting it on the market. There are ways to safely stage your home and allow possible buyers to view the home. Offering virtual tours is a safe and lucrative way to allow buyers to feel for the home while still practicing social distancing. They can see all aspects of the home and get an idea of the layout. Take the time to stage your home in a way that makes it highly appealing. Give it a whole new look and virtual feel for homebuyers.

Creating more space is an easy idea. Rearrange furniture, add some new pillows, houseplants, hang a few new art pieces, or add a few new appliances. Buyers want to see that the home has been kept up nicely and, of course, kept clean. So on top of adding a modern feel to the home, doing a deep cleaning before setting up a virtual tour will ensure that the home is more than ready to be presented. You will be more than prepared, and potential buyers will get a look at a fresh house.

From staging to setting up tours, and initially, to final closing, let safety be your guide. We understand that the COVID-19 pandemic has most-likely put a halt on a lot of areas of your life as everyone has had to make changes. It is still possible that your ultimate goal will be to get things moving at a steady pace, making you feel normal again with success and ease in selling your home. Taking a safer and faster approach to selling your home can be done, allowing a family to start making new memories again.

Pacific Lending Group

Pacific Lending Group is committed to helping you find the right mortgage product for your unique needs and circumstances. We make the process of securing a mortgage simple and straightforward by offering you expert advice that will enable you to make sound financial choices. We look forward to earning your business today and in the years to come. Call 954-227-4727

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Tips For Getting a Loan Approved

Do you have a steady job and decided the time is right to buy? Check these tips before you venture out to your mortgage broker, and you’ll be ahead of the game!

Check your credit report

Lenders will check your credit when you apply for a mortgage loan. To get the best possible rates, monitor it closely to prove your creditworthiness. Make sure it is accurate, and no one else is getting access, possibly harming your scores.

Dispute any inaccuracies

Once you have access to your credit report, you’ll see how you’re doing. If any inaccuracies appear with the three credit bureaus, dispute them to get cleared up. Also, if your debt-to-credit ratio is high, start by consolidating your credit cards, if any, or pay off particular debt if possible. Monitoring your score over time allows you to address certain accounts that aren’t yours and take immediate steps to investigate an identity fraud.

Do your homework

When you purchase a home, you’re also making a long term financial commitment. You can make a consultation with a Pacific Lending Group representative to find the best loans and rates. 

What property can you afford

To become a Homeowner is a goal that everyone has, but keep in mind that being realistic with what you can afford is a must. Rates that require a 20% down payment are very common based on market calculations, so If you only have 5% of the asking value, look for a home that you can afford or a first-time owner assistance program if you qualify. Our company can figure your calculations and keep you on a rate that you’ll be able to afford.

How lenders work

Lenders base much of their decisions on your credit score. Your loan amounts and rates depend on your credit score. The higher your credit score, the more feasible to get the amount and rate you desire. 

At Pacific Lending Group

Have confidence in your ability to pay back the loan by preparing ahead of time. At Pacific Lending Group, we offer expert credit analysis, loan programs, and first-time homeowner assistance. We make the loan process easy and find the best rates and approved in as little as 24 hours. Fill our online application HERE

Call us at 954-227-4727