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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 Sunrise Beach, Osage Beach and Lake Ozark 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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Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

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Q	What recent hit movie features a field trip scene that supposedly takes place at Columbia University in New York?
A	The scene in the movie "Spider-Man", where Peter Parker shoots photos of Mary Jane and is bitten by the spider, was actually filmed in the Museum of Natural History in Los Angeles, California.
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Fran Campbell Team, REALTOR®, real estate agent and broker for Sunrise Beach, Osage Beach and Lake Ozark, Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Fran Campbell Team
RE/MAX Lake of the Ozarks
3525 South Hwy 54
Osage Beach, MO 65065
Phone: 573-302-2390
Toll Free: 866-306-3726
Fax: 573-302-2388
Email: fran@francampbell.com
Fran Campbell Johnson has been a Lake of the Ozarks resident for 34 years, enjoying 20+ years experience in Real Estate. She is proud to be recognized as one of the top REALTORS® at the Lake. In addition to her years of experience, Fran also holds these elite certifications. She is a Certified Residential Specialist, Certified Luxury Home Marketing Specialist, and an Accredited Buyers Agent. Her experience spans the entire Lake area selling properties in Lake Ozark, Osage Beach, Laurie, Sunrise Beach, Porto Cima, Villages, Four Seasons, Camdenton, specializing in waterfront homes, lots and condos. Fran's enthusiasm and love for the Lake of the Ozarks area is the key driving force behind her successful career in Real Estate. She believes that service to her customers is of the utmost importance. Because of the emphasis she places on service, Fran has become the REALTOR® of choice for many buyers and sellers . She brings sincere concern for their needs and a strong determination to help them reach their real estate goals as rapidly as possible. Whether you wish to buy or sell a home, let Fran and her Team, provide the necessary tools and negotiation skills to make yours a smooth and pleasant transaction.

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