Vivinavi : Seattle : (United States) Seattle

Most people will first contact a real estate agent when buying a house.
Then you will be asked if you have a Pre-approval Letter.

In the U.S., when you buy real estate, when you make an offer to the seller （ the buyer proposes the asking price and other conditions to the seller ） with this document called Pre-approval Letter.
This certifies that the buyer "has consulted with a loan company and is able to obtain a loan.

This is because the seller has decided to accept the asking price and other conditions proposed by the buyer （ and our offer is accepted ）, but "we went to the bank and the loan was not approved" would be a waste of the seller's time.

Therefore, before contacting a real estate agent, it is ideal to contact a loan company （ bank or broker ） to confirm the loan amount, monthly repayment amount, etc., to choose the right program for you, and to find out what price you can afford to purchase. The ideal way to find out how much you can afford to buy. This will make it more efficient for the real estate agent looking for the property.

ローン会社に相談し「Pre-approval」をもらう
メールやお電話でのやりとりで簡単にあなたのローン可能金額を算出します。
この時点では相談・見積は無料です。

オンライン上で不動産を検索　（例：Zillow）
今はオンラインでご希望の不動産を自分で見つけることができます。
すぐに売れてしまう物件もあるので、自分でタイムリーに検索した方が便利です。

ご希望であれば、信頼のおける日本人の不動産エージェント様もご紹介いたします。

購入頂いた際に、ローン手続きなどの費用が発生致します。

All loans are designed to be 30, 25, 20, 15 and 10 years in length.
Consider choosing a program based on your intended use, even if your future income changes, how long you will live there, etc.

① Fixed rates ： Rates are fixed and determined.
② Variable interest rate ： 30-year loan. Fixed rate for the first 10, 7, or 5 years only, then replaces variable.
Plans with annual rate review or every 6 months.
③ Interest ・ Only （ Interest Only ） ： A loan where you only pay interest for the first years. The monthly repayment is less than a regular loan.
④ Jumbo Loan ： Ordinary Loan （ Conventional Loan℠) has a fixed maximum amount you can borrow. Any borrowing above that amount will be a jumbo loan and the rate will be lower now (depending on the time of year). Loans available to
⑤ VA ： Veterans （ Veteran ）. Zero down payment.
⑥ FHA ： Loan guaranteed by the U.S. Government （ Federal Housing Administration), with less stringent approval requirements than Conventional Loans.
⑦ Reverse Mortgage ： A loan for seniors age 62 and older. Loan but no monthly payments. Only property taxes and fire insurance paid.

Difference between banks and brokers
If you go to a big bank, they only have a standardized program. If you have no credit history, it is difficult with a bank.
If you go to a broker, they offer many programs that banks do not.
*If you are self-employed, the calculation of your income is different from a salary earner, so your broker will be very helpful in showing you various ways to do this.

ローンはあっても毎月の返済無し＆固定資産税と火災保険だけの支払い 62歳以上のシニア向けのローン。物件を売却した時に返済できるので収入が少ない方もお家を購入することができます。 お子様が巣立って、大きなお家からコンドミニアムなどにお引越しされる方にはお勧めです。

She has worked as a Loan Officer since 1993. Licensed in California, Oregon and Washington.
Has clients throughout the US and can respond to inquiries from Japan.

He regularly conducts free seminars in Seattle and Portland with real estate companies.
He says he wants to deliver accurate information because there have been cases in the past where Japanese people often lost money without understanding about loans.