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The first step is typically to get pre-qualified or, even better, pre-approved for a mortgage. This helps you understand how much you can realistically afford and shows sellers you're a serious buyer.

The amount you can afford depends on several factors, including your income, existing debts, credit score, and current interest rates. A loan officer like Shant Banosian can help you assess these factors and determine a comfortable price range through a pre-approval process.

Down payment requirements vary significantly depending on the loan program. Some programs, like VA and USDA loans, may require no down payment, while FHA loans can be as low as 3.5%. Conventional loans can require anywhere from 3% to 20% or more. Shant and his team can explore options to find the best fit for your financial situation.

Yes, Shant Banosian and his team have extensive experience working with a diverse range of buyers, including first-time homebuyers, move-up or move-down buyers, investors, and those purchasing vacation homes. They also specialize in various loan types to accommodate different financial profiles.

Working with Shant Banosian offers the advantage of specialized expertise, personalized service, and a vast array of loan products beyond what a single bank might offer. His team is known for their deep product knowledge, efficiency, and commitment to a smooth, fast closing process, which often surpasses the experience with traditional banks or less personalized online lenders.

Pre-qualification is a preliminary estimate of what you might be able to borrow, based on self-reported financial information. It's less formal and doesn't involve verifying documents.

Pre-approval is a more thorough process where a lender verifies your financial information (income, assets, credit) and commits to lending you a specific amount, subject to an appraisal of the property. Pre-approval makes your offer stronger to sellers.

Yes, it's possible. While it may require different documentation to prove income stability, lenders like Shant Banosian's team offer programs such as Bank Statement loans designed for self-employed individuals or those with non-traditional income streams.

Yes, you can. Lenders consider your debt-to-income (DTI) ratio, which is the percentage of your gross monthly income that goes towards paying debts. As long as your DTI is within acceptable limits, having student loans or other debt will not necessarily prevent you from buying a home.

Shant Banosian has helped tens of thousands of clients. Throughout his 20-year career, he has closed over 40,000 loans.