Agent Profile
My job is service...service to you and your real estate transactions! How can you benefit from my 25 years of experience and expertise? What can I offer to make the process more productive?
* Current information on available housing...comparative and competitive market pricing and analysis
* Daily involvement in the local real estate marketplace.
* Thorough, comprehensive knowledge reflecting years of helping others complete their real estate business.
* Extensive network of professional resources to make the process as smooth as possible.
My commitment is to you! Being available to you...returning your calls...answering your questions...addressing your concerns...respecting your money...matching your timeline...meeting your expectations...helping accomplish your real estate goals!!
JANEESE JACKSON: 503-709-0802 or jj@janeesejackson.com
“approval” by jun suh from “The Legend”
Two important steps in the home buying process is finding trusted advisors: a Realtor and a Mortgage Broker. The process is a partnership and it’s important to take it step-by-step. One of the steps is getting a pre-approval from a lender. First, let’s define a “mortgage pre-approval”. A mortgage pre-approval is a letter from a lender that says the borrower’s credit, bank references and employment have been verified. The letter is not binding on the lender because it is subject to other conditions such as an appraisal of the property. And, how is that different from a “mortgage pre-qualification”? Pre-qualified means a loan officer has determined a borrower is credit worthy and financially able to qualify for a certain loan if all the other verification come through. A pre-approval holds more weight than a pre-qual and most professional Realtors today will request an approval letter upon receipt of an offer.
Why would a buyer want to get a pre-approval prior to looking at homes? From one who “looks at homes for a living” (that part is time consuming, but not the difficult part of my job), let me assure you that there are differences at different price points. So, ask me how hard it is (after all I’ve seen) to go house shopping for myself? Why torment yourself with what you can’t afford. From a buyer’s perspective, it makes perfect sense to:
1) Get comfortable with what you are qualified to purchase! Spend more time examining homes that fit your budget!
2) Find out if a government loan or conventional financing will be the best choice for you! Some government loans have limitations on the use of the property.
3) Gain power in the presentation of your offer to the seller! Most sellers and their Realtors will not consider an offer that doesn’t come with a letter of pre-approval.
4) Lessen the stress of the home-buying process! By knowing, as closely as possible, all the costs involved and,ultimately, your “monthly nut”, you will experience less middle of the night “panic attacks”. 
Mostly, you want to end your experience Happy…not just done with the transaction!
About the Author | Janeese Jackson
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