Harpreet’s perspective
Real questions. Real properties. Real numbers.
You call me and ask: ‘How much mortgage can I get?’ Simple question. Then I start. What's your income? Salary or hourly? Any bonus? Self-employed? What debts do you have? Car payments? Credit cards? Line of credit? Down payment? Where is the down payment coming from? Do you own another property? Is it rented? What are the property taxes?
And approximately halfway through, you're probably thinking: ‘I only asked for one number.’ I know. But the number depends on the story.
I Don't Want to Give You a Beautiful Wrong Number
A mortgage calculator can give you a quick estimate. My job is to understand whether the assumptions behind that estimate actually apply to you.
Imagine I casually tell you: ‘You should qualify around $800,000.’ You spend three weeks shopping at $800,000. You find the perfect house. Then we discover something important that changes qualification. Now everyone is disappointed.
Details Matter
I'd rather annoy you with questions on Day One. Income structure matters. Debts matter. Rental properties matter. Down payment matters. Credit matters. Mortgage type matters. Details matter.
The more accurately I understand the picture, the more useful my advice becomes.
The Mortgage Version of a Diagnosis
So yes. I ask questions. A lot of them. Think of it as the mortgage version of a doctor asking where it hurts before prescribing something. I don't want to guess your mortgage. I want to diagnose it.