In today's competitive market multiple offers are common and homes are often selling for more than the asking price. Sellers must feel confident that any offer they accept will close on time, and in most cases, sellers eliminate all offers that don't come with a pre-approved loan. Therefore, to make your purchase offer a successful one, you should be armed with a pre-approval for a loan (and not just a pre-qualification) before looking at homes.

But financing a home can be one of the most complicated parts of a home purchase. There are points, APR, fixed-rate loans, adjustable loans, balloon loans, interest only loans, reverse loans, and combinations of all the above. Whether this is your first home purchase, or your fifth, the various financing options can be downright intimidating. It doesn’t have to be that way. When you work with a professional mortgage broker that has your best interest in mind, you can rest assured that your home purchase will be a successful one.

Luba has worked with Monica Di Perna of Guarantee Mortgage since her start in real estate. Like Luba, Monica takes the time to really get to know her clients’ needs. She helps you to not only get the best rates possible, but counsels you to help you pick the mortgage product that is the best for your financial situation and lifestyle. Monica has been helping clients purchase homes in the Bay Area for over 12 years, walking them through the financing process every step of the way. She will meet with you for an intense pre-approval meeting, is always available during your purchase transaction and will even go with you and Luba to sign your papers with the title company. Monica answers all her own calls and talks to her own clients directly.

To contact Monica to begin the pre-approval process you can contact her at 415-345-4372 or monica@monicadiperna.com. You can also visit her web site at monicadiperna.com