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Buy Or Sell With James Jestes and eXp Realty

386 315 4744
James@JamesJestes.com

Serving The Greater Daytona Beach Area

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Stop Wondering What Your Budget Is & Get Pre-Approved!

Stop Wondering What Your Budget Is & Get Pre-Approved! | Simplifying The Market

In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.

Even if you are not in an incredibly competitive market, understanding your budget will give you the confidence of knowing whether or not your dream home is within your reach.

Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you through this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”

Freddie Mac describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow:

  1. Capacity: Your current and future ability to make your payments
  2. Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for cash
  3. Collateral: The home, or type of home, that you would like to purchase
  4. Credit: Your history of paying bills and other debts on time

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

Bottom Line

Many potential homebuyers overestimate the down payment and credit scores necessary to qualify for a mortgage. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so today.

GIVE ME A CALL AND LETS TALK ABOUT YOUR REAL ESTATE NEEDS – JAMES JESTES 386-315-4744

Most Recent MLS Listings Today

580 Rio Vista Avenue Daytona Beach FL 32114
Featured
1 / 69
$799,000
3
BEDS
2
TOTAL BATHS
1,841
SQFT
580 Rio Vista Avenue Daytona Beach, FL 32114
Single Family Residence For Sale
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Embrace the ultimate waterfront lifestyle in this stunning riverfront retreat, offering breathtaking views, deep-water access, and a private dock with a brand-new boat lift. This 3-bed, 2-bath, 1,841 sq. ft. home sits on 100 ft of deep water frontage

Listing courtesy of James Jestes of EXP Realty LLC
934 N Halifax Avenue Daytona Beach FL 32118
New Listing - 39 minutes on site
1 / 51
$499,000
4
BEDS
3
TOTAL BATHS
2,597
SQFT
934 N Halifax Avenue Daytona Beach, FL 32118
Single Family Residence For Sale
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Coastal charm meets modern versatility in this beautifully remodeled two-story beachside home! The bright upper level features a cozy coquina fireplace, a stunning kitchen with granite countertops and a walk-in pantry, plus a spacious owner's suite w

Listing courtesy of Jamie Lucena LLC of Coldwell Banker Realty
5967 Plantera Court Port Orange FL 32127
New Listing - 2 hours on site
1 / 38
$415,000
3
BEDS
2
TOTAL BATHS
2,736
SQFT
5967 Plantera Court Port Orange, FL 32127
Single Family Residence For Sale
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Charming Pool Home with No HOA!This well-maintained 3-bedroom, 2-bath home checks all the boxes including a fully fenced backyard and a private pool! Major updates include a NEW ROOF(2022), AC system (2023), and updated electrical panel. The water he

Listing courtesy of Listing Reciprocal of Nonmember office
1335 Lambert Avenue Flagler Beach FL 32136
New Listing - 2 hours on site
1 / 86
$1,250,000
4
BEDS
4
TOTAL BATHS
4,054
SQFT
1335 Lambert Avenue Flagler Beach, FL 32136
Single Family Residence For Sale
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Luxury Estate Living in Flagler Beach. Nearly 2 Acres of Tranquility! Welcome to an exquisite custom-built luxury estate nestled in an exclusive community of Flagler Beach. Situated on 1.74 private acres at the end of a quiet dead-end street, this re

Listing courtesy of Jack Corbett of Coldwell Banker Premier Properties

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SEARCH ALL HOMES IN THE GREATER DAYTONA BEACH AREA HERE

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Related posts:

  1. Three Reasons Why Pre-Approval Is the First Step in the 2020 Homebuying Journey
  2. 7 Things To Avoid After Applying for a Mortgage!
  3. Things to Avoid After Applying for a Mortgage
  4. Is A Bigger House Within Your Budget?

Posted in: Blog, First Time Home Buyers, For Buyers, For Sellers, Housing Market Updates, Move-Up Buyers

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James Jestes Broker Associate SRN Real Estate Pros

James Jestes


Broker Associate | eXp Realty
386-315-4744
James@JamesJestes.com
I'm Available Daily:
8:00AM to 8:00PM

Call, Text or E-mail!

"As an Associate Broker with eXp Realty, I am dedicated to helping families and individuals accomplish their real estate goals by providing dedicated service when buying or selling a home. I have served my country in the U.S. Army and the U.S. Marines; I bring that same sense of service and selflessness to every one of my customers."

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BUY AND SELL REAL ESTATE WITH JAMES JESTES

James Jestes Broker Associate SRN Real Estate Pros

James Jestes


Broker Associate | eXp Realty
386-315-4744
James@JamesJestes.com
I'm Available Daily:
8:00AM to 8:00PM

Call, Text or E-mail!

"As an Associate Broker with eXp Realty, I am dedicated to helping families and individuals accomplish their real estate goals by providing dedicated service when buying or selling a home. I have served my country in the U.S. Army and the U.S. Marines; I bring that same sense of service and selflessness to every one of my customers."

FEATURED LISTINGS

No Results Found.

SEARCH ALL OF THE GREATER DAYTONA BEACH AREA

Price

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Today’s Real Estate Information

  • 10 Great Homes For Sale In The Greater Daytona Beach Area
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  • Don’t Miss Out on the Growing Number of Down Payment Assistance Programs
  • What’s Behind Today’s Mortgage Rate Volatility?
  • Is Wall Street Really Buying All the Homes?

James Jestes, Your new favorite Realtor.

Hello my name is James Jestes and I am a Broker Associate with eXp Realty.  I am dedicated to helping you find your perfect new home. I’m a no hassle, no pressure agent here to help you accomplish your real estate goals. Please reach out to me and let me know how I can help you purchase or sell your home.

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Contact James Today

James Jestes
eXp Realty
386-315-4744
James@JamesJestes.com

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