Every Deal Is Precious - Be Sure Your Buyer is Pre-Approved!

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Jeffrey Loyd NMLS #:410097 Mortgage Loan Officer Phone: +1 212 243-0373 Fax +1 347 686-6406 jloyd@unfcu.com www.unfcu.org/JeffreyL

Every Deal Is Precious - Be Sure Your Buyer is Pre-Approved! It's a changing market. Buyers are negotiating harder on price, on the removal of tenants, on inspections...on everything. Sellers don't want to budge on price, on the removal of tenants, on inspections...on anything. Resilience is so vital in the real estate business today. Perhaps more today than since the crisis back in 2008-2009. Every deal is precious. Everything needs to be lined up just so to make the deal happen. Buyers are also aware of the increasing rate environment. Buyers want to negotiate rates before they find the right home to buy. Makes sense to them. What if they don't qualify for the rate they negotiated? What happens when the deal falls out because the buyer wasn't a qualified as they thought? Get a fully underwritten preapproval before negotiating terms with the seller. Don't let the next (precious, hard to come by, painstaking) deal fall out because the buyer assumed they were well qualified. Most lenders will do a fully underwritten preapproval for free. If not, refer them to one who will. UNFCU offers fully underwritten preapprovals. The client submits a mortgage application package (income, assets, liabilities) — our NYC based underwriters' review and approval of the application on a pre-approval basis. We issue the Commitment Letter pending an appraisal - before the negotiations are exhausted! Now you can negotiate all the details to get the deal into contract without concern for the financing. That is now in place upfront. I wanted to keep this email short. If this interests you or could help you at this time, please reach out. You can call me at +1 212-243-0373 or email me at jloyd@unfcu.com. Or check my website at www.unfcu.org/JeffreyL United Nations Federal Credit Union Niche Residential Mortgage Lending: Foreign National Home Loans No foreign tax returns required No Visa required for investment properties No US income required No US credit required Non-warrantable condos and cooperatives Title Vesting in an LLC or Trust Please feel free to delete this email if this doesn't concern you or if I have reached the wrong person by mistake, thank you.

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