First time home buyer, where do I start?!

I will help you, I am not too far away - Walla Walla.Please go to www.loanharvey.com to get started

Pre-qualification for a mortgage incurs no cost or obligation, except for maybe the cost of a credit report (no cost with our company). I would suggest taking the time to review your loan scenario with 1 or more mortgage professionals so that you clearly understand, 1) expectations of a purchase transaction, 2) what your mortgage options are, 3) to make sure you have your financial 'ducks in a row' 4) to make sure your mortgage decisions are inline with your current needs and also your long term financial goals. Feel free to call: Randy Free - Mortgage Advisor (NMLS 283930) 541-984-5428 rfree@opesadvisors.com 4710 Village Plaza Loop, Suite 130 Opes Advisors, A Division of Flagstar Bank

The best advice I can give you is to contact a mortgage bank/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with Arizona and California being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893