Your Local Mortgage Lender
Located in Fairfax, Virginia
Personalized Mortgage Experience
Andrea Kling offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Fairfax, Virginia.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
El Proceso de Compra de Casa Explicado en 7 Pasos Simples Para Que Sepas Qué Esperar
Por Qué el Proceso Se Siente Abrumador y Cómo Dejar de Sentirlo Así
Comprar una casa puede sentirse completamente abrumador si es tu primera vez. Términos como pre-aprobación, appraisal, underwriting y closing aparecen en todas partes y nadie te explica qué significan ni en qué orden ocurren. Andrea Kling lo explica en 7 pasos simples para que sepas exactamente qué esperar en cada etapa del proceso.
Paso 1: Pre-Aprobación
Antes de ver una sola casa tu loan officer revisa tu crédito, tus ingresos y tus documentos para darte una carta de pre-aprobación. Esta carta te dice cuánto puedes calificar y te prepara para hacer ofertas serias cuando encuentres la propiedad correcta. Sin este paso estás viendo casas sin saber si realmente puedes comprarlas.
Paso 2: Buscar Casa Con Tu Realtor
Con tu pre-aprobación en mano tu agente de bienes raíces te ayuda a encontrar propiedades dentro de tu presupuesto y en las zonas que te interesan. Este paso puede tomar desde unas semanas hasta varios meses dependiendo del mercado y de qué tan específicas sean tus necesidades. La pre-aprobación te permite buscar con enfoque en lugar de simplemente navegar sin dirección.
Paso 3: Hacer Una Oferta
Cuando encuentras la casa correcta tu realtor prepara una oferta formal. En mercados competitivos como el área de DC, Maryland y Virginia tu carta de pre-aprobación y la fortaleza general de tu oferta pueden marcar la diferencia entre ganar o perder la casa frente a otros compradores que también la quieren.
Paso 4: Aplicación Formal del Préstamo
Una vez que tu oferta es aceptada se completa la aplicación formal del préstamo con toda la documentación necesaria. Eso incluye comprobantes de ingreso, estados de cuenta bancarios, información de empleo y cualquier otro documento que el prestamista requiera para procesar tu caso. Este es el momento de tener todo organizado y listo para entregar rápidamente.
Paso 5: Appraisal e Inspección
El prestamista ordena un avalúo conocido como appraisal para confirmar que el precio acordado en el contrato corresponde al valor real de la propiedad. El prestamista no va a prestar más de lo que la propiedad vale según ese avalúo. De forma separada se recomienda hacer una inspección física de la casa para revisar su condición antes de continuar con el proceso. Estas son dos cosas distintas que cumplen propósitos distintos.
Paso 6: Underwriting
Aquí es donde el underwriter revisa a fondo toda tu documentación para dar la aprobación final del préstamo. Es posible que el underwriter pida documentos adicionales durante este proceso. Responder rápido a cualquier solicitud es una de las cosas más importantes que puedes hacer para mantener el proceso avanzando sin retrasos innecesarios.
Paso 7: Closing
El día del cierre firmas los documentos finales, se transfieren los fondos y oficialmente recibes las llaves de tu nueva casa. Desde la aceptación de la oferta hasta el cierre el proceso completo suele tomar alrededor de 30 a 45 días dependiendo del prestamista, el tipo de préstamo y la complejidad de la transacción.
Lo Más Importante Que Debes Saber
Cada uno de estos pasos tiene su propio checklist de documentos y sus propios tiempos. Tener un equipo que te guíe bien desde tu loan officer hasta tu realtor hace toda la diferencia entre un proceso estresante lleno de sorpresas y uno tranquilo donde sabes exactamente qué viene después.
¿Quieres empezar el paso 1 hoy mismo? Escríbele a Andrea Kling y arrancan con tu pre-aprobación.
Sources
ConsumerFinancialProtectionBureau.gov
HUD.gov
NAR.realtor
MortgageNewsDaily.com
Investopedia.com
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