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Mortgages in Beaufort, SC

How Much Home Can You Afford?

The Mortgage Lending Process

Before you can begin your search for a new home, it is important for you to understand the lending process and how much home you can actually afford to purchase. Your REALTOR® can help put you in contact with a lender who can help you determine this amount.  Here are some of the basics on the mortgage financing process and how to get started. 

Use our Mortgage Payment Calculator to calculate an estimated payment on a home.

Cheryl Krycia Mortgage Lender
Cheryl Krycia
Mortgage Loan Officer, NMLS: 235893
Cell:  (843) 422-7468

Cheryl has been a residential mortgage loan officer since 2002. Originally from Buffalo New York, she and her family relocated to the low country in 2007. Cheryl brings over 30 years of real estate and financing experience to assist her clients with superior service and knowledge of loan programs. She will be happy to answer all of your questions and walk you through the process from application to close.

What is Pre-qualification?
Pre-qualification is an informal discussion between a lender and you.  The lender estimates the amount that you can borrow based solely on what you tell them about your income and assets.  The lender does no verification and is not bound to make the loan when you are ready to buy.

However, understanding your position with "how much home you can afford" will help you in determining what price range you can use to start your home search.  This will prevent you from the disappointment of finding a home of your dreams only to find out that it is not within your affordability price range.  

Why is Pre-approval Better?

To a seller, a lender's pre-approval letter is considerably stronger than a pre-qualification letter.  Loan pre-approval is based on documented and verified information regarding your employment, your income, your liabilities, your assets and the cash you have available to close on a home purchase.  If a seller  knows your financing is secure, your offer is stronger.  Pre-Approval also gives you peace of mind as you shop for a home, knowing that you will qualify for the required mortgage amount.

Coldwell Banker is pleased to provide mortgage professionals who are dedicated to meeting your unique home financing needs. These lenders complement Coldwell Banker to bring you a full-service solution. 

With a variety of loan products our Mortgage Professionals know they can find the ideal loan for your specific needs. Contact one today!



Contact Information


Beaufort Office
ph: (843) 986-2444

1211 Boundary St.
Beaufort, SC 29902

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