Marco Island, Naples and Bonita Springs real estate and homes for sale in Florida - The Barnes Team, REALTORS® The Barnes Team REALTORS(r) for Marco Island, Naples and Bonita Springs, Florida real estate - NUMBER1EXPERTS™ The Barnes Team NUMBER1EXPERTS(tm) for Marco Island, Naples and Bonita Springs, Florida real estate
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The Barnes Team, REALTORŪ, real estate agents and broker for Marco Island, Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Call 239-393-1350 today for your personalized list of available properties!


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We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Mortgage Prequalification: Marco Island, Naples and Bonita Springs Florida home buying, real estate listings, and homes for sale in Collier County, FL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Marco Island, Naples and Bonita Springs real estate agents to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
Where and when was the first motel introduced on the American commercial real estate scene?

A 
The first motel, appropriately named the "Motel Inn", opened in San Luis Obispo in 1925.
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The Barnes Team, REALTORŪ, real estate agents and broker for Marco Island, Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

The Barnes Team
Keller Williams Realty - Island Property Sales

713 Bald Eagle Drive
Marco Island, FL. 34145
(239) 393-1350
Fax: (239) 393-1351
Email: marilyn@islandpropertysales.com

From breaking ground to closing, The Barnes Team offers personal, professional and innovative assistance to their clients. Their focus is on building a relationship, not just one sale. Setting standards in excellence by combining experience, expertise and the latest technology, The Barnes Team has established itself as a leader in the SW Florida real estate market. Our focus is developing innovative and creative marketing techniques that provide our clients with maximum exposure.

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Keller Williams Realty - Island Property Sales real estate and homes for sale in Marco Island, Naples and Bonita Springs Florida

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