Austin, Westlake Hills and Lake Travis real estate and homes for sale in Texas - Gary Toussaint, REALTOR® Gary Toussaint REALTOR(r) for Austin, Westlake Hills and Lake Travis, Texas real estate - NUMBER1EXPERT™ Gary Toussaint NUMBER1EXPERT(tm) for Austin, Westlake Hills and Lake Travis, Texas real estate
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Gary Toussaint, REALTORŪ, real estate agent and broker for Austin, Westlake Hills and Lake Travis Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 512-751-3292.



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Mortgage Prequalification: Austin, Westlake Hills and Lake Travis Texas home buying, real estate listings, and homes for sale in Travsi County, TX
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. 

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

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Austin, Westlake Hills and Lake Travis REALTORŪ to offer services such as these. 

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

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

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Real Estate Tips
First Time Buyers >The Seller May Pay

The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.

One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.

Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.

See All Tips In The "First Time Buyers" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Where would you go to enjoy a soak in the world's largest bathtub?

A 
The Spa Resort Hawaiians in Fukushima, Japan, offers an outdoor soaking tub that occupies a total area of 10,760 square feet and can accommodate 1,500 persons at one time.
See More Real Estate Trivia >

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Gary Toussaint, REALTORŪ, real estate agent and broker for Austin, Westlake Hills and Lake Travis Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Gary Toussaint
Toussaint Realty

P.O. Box 342091
Austin, TX. 78734
Office: 512-263-7550
Cell: 512-751-3292
Fax: 512-532-0800
Email: Gary@ToussaintRealty.com

Gary has been a full time Realtor in Austin since early 1993 when he retired from IBM. Since that time he has established an enviable record as a top producer in the Austin real estate community and has a reputation for going the extra mile to see that his clients receive the finest service available. Gary specializes in homes in the Eanes and Lake Travis school districts, but also works regularly in most parts of Austin, Round Rock and Cedar Park. He is a Broker, Certified Residential Specialist, Accredited Buyer's Representative, and e-PRO. Gary provides a full range of services, including Buyer Representation. Whether buying, selling, or relocating, you can count on Gary to provide the expertise, commitment, and results that you want. Call or e-mail him today.

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