Know Your Buying Power
Know your number before you fall in love with a house.
Sent
Thank you, you're all set.
Steven or I will reach out within the hour.
A note from Minja
Why I ask everyone to start here
I've seen it happen more than once. Someone walks into a home, the afternoon light hits the kitchen just right, and you can watch them picture their whole life there. Then the numbers come back different than they expected, and that excitement turns into heartbreak.
Knowing your number first doesn't take the fun out of house hunting. It lets you fall in love with the right homes. You tour with confidence, you know what a monthly payment really feels like for your life, and when the right place comes along, you're ready to move.
Send me the form above and I'll take it from there. I'll introduce you to Steven Vallo at NEXA Lending, who can get your pre-approval letter done in as little as 1 to 2 hours once he has your info. You're always free to choose any lender.
Steven Vallo, NMLS 1548291, NEXA Lending, LLC NMLS 1660690.
— Minja
North Phoenix & new builds
Why it matters here
From brand-new communities to established neighborhoods, a little homework up front makes every step that follows calmer.
Builder incentives, compared fairly
Many builders tie their best incentives to a preferred lender. Having your own number in hand lets us compare those offers side by side, so you can see what's truly a good deal for you.
Ready when the right home appears
When a home you love comes on the market, sellers usually want to see that a buyer has talked with a lender. Starting early means you can move with confidence instead of scrambling.
Planning around a build timeline
A new build can take months from contract to keys. Understanding your options early helps you plan your move, your current lease or sale, and your budget for upgrades and the design center.
How it works
Four easy steps
- 1
Share the basics
Fill out the short form at the top of this page. Estimates are fine.
- 2
We reach out
Steven or I will call, text or email you to talk through what you're hoping for.
- 3
Get your pre-approval
I'll introduce you to Steven Vallo at NEXA Lending, who can get your pre-approval letter done in as little as 1 to 2 hours once he has your info. You're always free to choose any lender.
- 4
Shop with confidence
With your number in hand, we tour the homes and communities that truly fit.
Steven Vallo, NMLS 1548291, NEXA Lending, LLC NMLS 1660690.
What is a pre-qualification?
It's an early, informal estimate from a lender of how much you may be able to borrow, based on what you share about your income, savings and credit.
- A realistic price range to shop in
- How different down payment amounts could change your monthly payment
- Loan programs worth asking a lender about
- What to gather when you're ready for a full pre-approval
A pre-qualification isn't a loan approval or a commitment to lend. A lender will confirm the details when you apply.
Minja Vallo and Simply Real Estate are not lenders and do not make loans. Pre-qualification, pre-approval and loan terms are provided by the lender you choose and are subject to that lender's review and approval. Please don't send your Social Security number, date of birth, income documents or account numbers through this site. A lender will ask for what's needed securely when you're ready.