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Mortgage Prequalification: Spokane, Spokane Valley and Mead Washington home buying, real estate listings, and homes for sale in Spokane County, WA

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 Spokane, Spokane Valley and Mead real estate agent 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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Tax Considerations >Taxable Profits

If you are thinking of selling your home and your house has risen in value since you purchased it, or you have accumulated a lot of deferred profit from previous sales, the Taxpayer Relief Act passed in 1997 could be of tremendous value.

Prior to this law, when a homeowner moved to a smaller home, relocated to a less costly area, or made a decision to rent, they were left with unfavorable tax consequences. The old tax law allowed people who sold their homes to defer tax on any profit by buying a replacement home of at least equal value within two years. At age 55, they could permanently escape tax on up to $125,000 of profit, but any profit in excess of that amount was taxable unless a new home was bought.

The good news is that with homes sold after May 6, 1997, homeowners can make as much as $500,000 tax-free profits on the sale of a principal residence for joint filers or $250,000 for single filers. The $500,000 capital gains exclusion removed taxes as a consideration for most home sellers by giving them flexibility to trade up or down. It has also allowed homeowners to preserve the savings value of a home when they sell, provided they use the property as their principal residence for two of the prior five years prior to the sale.

Consult your tax advisor for your particular circumstance.

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Q	Where is the world's largest wine cellar, and how big is it?
A	A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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Hometown Mortgage Source
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Jace Romine, REALTORŽ, real estate agent and broker for Spokane, Spokane Valley and Mead Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Jace Romine
Tomlinson North
8205 N. Division
Spokane, WA 99208
Tell: 509-467-7400
Cell: 509-998-2000
Fax: 509-467-9771
Email: jaceromine@NUMBER1EXPERT.com
I moved up from California to Spokane with my Parents in 1988. They attended Whitworth College in the 70s and knew Spokane to be a great place to raise a family with many outdoor activities and wide-open spaces. I have my own family now with two children and appreciate all that Spokane has to offer. I enjoy the Spokane area and realize what Spokane has to offer my family and me. When Im not showing a house or meeting with clients I enjoy golf at one of the many golf courses in the area. I also like to get out to the lake as much as possible with my family at one of the numerous lakes and rivers close by. I chose Tomlinson Black because Ive been brought up working in family businesses my whole life and Tomlinson has that type of atmosphere. Tomlinson has personalized service but the resources of a huge corporation so my clients get the best of both worlds. They also provide us with the most up to date Real Estate training so were on top of whats new in Real Estate. In addition to the terrific resources supplied to me by Tomlinson Black, I belong to a small team of Realtors. This allows me to offer my clients increased exposure to any property listings within my team, above and beyond my extensive marketing network. The team also allows me increased resources to find the perfect home or property very quickly for my clients. Please look around my website and feel free to contact me with your Real Estate needs or questions. I look forward to earning your business and trust.

Tomlinson North real estate and homes for sale in Spokane, Spokane Valley and Mead Washington

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