Home loan pre approval for a clearer buying budget

Two months ago, I first talked to my bank which I already had a home loan account, for refinancing and buying a new house. The response was not very good. Then talked to several other mortgage brokers looking for any possibility of applying for a home loan.

“Your credit rating is low” one said. and here is a few others said.

” You are 55, you cant have a loan with 30 year term, maximum you can get is 15 years”

“Your income is not enough for 15 year loan”

” How do you think you are going to pay back?”

” Call me again in 2 years time, when you have saved enough for a deposit”

“Your second job must be at least 2 years old to apply for a loan”

I met John at a moment I have given up hopes and John spoke so gently and explained possibilities and showed me the potential.

“55 years old is good. Good age”

” you have a good credit rate”

“You can have a loan to pay in 30 years”

” Your second job is 6 months old and that would be okay”

John took me on the journey of applying for 2 home loans with proper guidance and in a professional manner. John chose the right bank and the right product that suits my requirement.He skipped the step of having the pre-approval for a loan. He straight went applying for the loan. He took me on this journey providing professional advice, not only about the loan application and helped me at dealing with property managers, and conveyancers. Also, communicated with them on behalf of me whenever necessary providing assurance.

Today is the big day. The settlement of the house is happening today. Thank you John, without you, today is just another day of life.

I was looking for a house for myself. I had applied for home loan through mortgage broker last year but was declined by the bank. There were no proper guidance’s at all. No proper communications between the broker, bank and me.

Then tried another broker declined again. Even me and my wife both have stable and good sources of income at both time applied for loan.

Then some of my friends suggested to go to bank direct. I went and applied for just pre-approval first, but it was worst idea to do. It took 2 months and still I didn’t get pre-approval for home loan from one of reputed banks in S.A. and I withdrew my application.

Finally my friend gave me a suggestion of Larry Vallelonga from AAA Mortgage Solutions. With his proper and genuine guidance and help to gather necessary documents and I got approved for home loan for my dream house in 2-3 weeks. That was best assistance anyone can get. Would recommend Larry Vallelonga, AAA Mortgage Solutions to every one of my friends.

Thank you Larry

much appreciated

Regards

Mathew is not your average broker — he’s exceptional.

Took the stress out of the process, explained everything in plain English, and actually delivered what they promised. Fast, clear, and on your side the whole way. Highly recommend.

I wouldn’t use anyone else! By far the best Brokerage firm I’ve used in 20 plus years of buying and selling property.

Very Good and easy process.

Larry Vallelonga was the most professional mortgage broker I’ve ever used he has excellent knowledge of the industry. And explains the process in all details and answered all questions that we had and kept me updated by every step of the process. Very happy with the professional service that we received from AAA mortgage..

We clicked with Robert from the first phone conversation that was had, he understood what we wanted and followed it through till the end. Robert’s friendliness, professionalism and advice got us in a very good position for the future! We will definitely use again and recommend.

Thank You, So much, I am really appreciative.

Warm friendly services and a pleasure to deal with. Would recommend them to anyone.

Everything was made so easy and we felt supported in the whole process from start to finish.. Michael was amazing.