York PA Real Estate, Listings, Homebuying and Relocation -The Jim Powers Team, REALTORS® - NUMBER1EXPERTS™The Jim Powers Team REALTORS(r) for York County, Shrewsbury and Dallastown, Pennsylvania real estate, new construction - NUMBER1EXPERTS™ The Jim Powers Team NUMBER1EXPERTS(tm) for York County, Shrewsbury and Dallastown, Pennsylvania real estate, new construction
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The Jim Powers Team, REALTOR®, real estate agents and broker for York County, Shrewsbury and Dallastown Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are NOT alike! Find out why we are TOP real estate experts! Call us at 717-757-7811 or 717-718-8462!


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"Jim and his team did a wonderful job"
"...they were wonderful - always on top of everything...
Mr & Mrs. Dan Lauer
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Mortgage Prequalification: York County, Shrewsbury and Dallastown Pennsylvania home buying, real estate listings, and homes for sale in York County, PA
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. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top York County, Shrewsbury and Dallastown REALTORS® to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia
Q 
What building has the largest windows in the world?

A 
The Palace of Industry and Technology in Paris, France has three matching windows, each 715 feet high and 164 feet wide and comprised of multiple panes of glass.
See More Real Estate Trivia >

School Reports


School Reports
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The Jim Powers Team, REALTOR®, real estate agents and broker for York County, Shrewsbury and Dallastown Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The Jim Powers Team
Prudential Bob Yost Homesale Services

2525 Eastern Boulevard
York, PA. 17402
Office: 717-757-7811
Office: 717-718-8462
Direct: 717-718-8412
Fax: 717-718-2369
Cellular: 717-495-9767
Email: JamesPowers@NUMBER1EXPERT.com

Jim was born and raised in York County and has been a full time, licensed Realtor since 1993. He is a multi-million dollar producer and has received many award for his outstanding achievements for listings and sales in the York County Real Estate Market. Jim's expertise include strong negotiation skills, knowledge of Real Estate Law, contract law and the latest lender financing programs available. Jim and his team have over 20 years of combined experience in all aspects of the real estate market. Jim and his team's ability to service their clients needs, first and foremost, far outweigh the competition.

ABREqual HousingMLSREALTOR




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