The FIRST step for a prospective homebuyer is to get pre-qualified for a mortgage.  

This is a free, no obligation service that mortgage lenders offer. They hope to get your business when you are ready to shop for a mortgage and this gets them "in the door". We have attached a list of user friendly mortgage lenders who will pre-qualify you so that you know how much your monthly payments will be, so the Realtor will know that you are a qualified buyer, and so the sellers will know that they should take your offer seriously. The mortgage lender is on your side. They want to do business with you, and they want to help you to solve the credit problems or other problems that you may have so that you can qualify for a mortgage.

You can try these lenders or choose one of your own:

Gregory Romaine - First Niagara at 845-534-6800. (Cell 845-629-1983)

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