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Valerie Bahm

Realtor®

Johnson Monroe

Gun Barrel City, TX

 

903-386-6064
Contact Me

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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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Valerie Bahm, REALTOR®
Gun Barrel City, TX 75156
Phone: 903-386-6064
Email: valeriebahm@gmail.com

Testimonials

Valerie is extremely knowledgeable about the value of lakefront property. She is minutes away to instantly being there for her clients. Valerie has not only become our Real Estate Expert, she has also become family! Gadi Wolf
In my opinion, Valerie is very capable and proactive. We are extremely thankful for her great customer service! Ezra Wang
Valerie was the BEST! She ALWAYS answered all of our questions. Most importantly she is VERY knowledgeable of Farm and Land properties. We would recommend her HIGHLY! Sheila Anderson & Mark McKay
"Everything went very well from the very first time that I spoke to Ms. Valerie Bahm. I found myself in a very desperate situation with the sickness of my father and needed to sell the property in order to seek certain assistance. Ms. Valerie followed through very thoroughly until the deal was closed. I am very pleased and appreciate the promptness. Thank you. "
 
Ricky Herrera

I have worked with Valerie on several occasions and have found her to be extremely informative and helpful. She is without a question very attentive to the smallest of details. I would recommend her to anyone in Henderson County for any real estate needs or transactions.

Five Stars!
John P. Brooks
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