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How much can I afford, and what might my payments be?

Today’s buyers have more loan options than ever before. While that’s certainly good news, discovering the price range of the home you’d like purchase and finding the right mortgage takes a little preparation.  Blaine has close relationships with experts so you can get valuable professional advice.


Gina Rainey

HomeStreet Bank
NMLS ID#291780
Email:  Gina.Kemsley@homestreet.com
415-828-0218 Office
415-300-1762 Fax


Gina is an accomplished and adept mortgage professional with over 26 years of experience in financial services, specializing in residential, multifamily and FHA loans.  She is passionate about helping clients make smart strategic decisions for all of their real estate financing needs whether they are purchasing, refinancing, remodeling or building a new home.  With an underwriting background, Gina conducts a thorough assessment of all aspects of her client’s financial needs, to guide and advise them on real estate financing solutions that support and fit the big picture of their financial lives.

Gina has built her reputation navigating complex financial transactions, but she especially prides herself on being a problem solver and loves working with first time home buyers, helping them turn their dreams of home ownership into reality.  Adding to her experience,
Gina was an owner/ manager of a large mortgage firm in Greenbrae for 10 years.

Besides being committed to her job, she has 3 children and enjoys being involved in their school and extracurricular activities.  Gina is a big supporter of the American Cancer Society.


Why should you get pre-approved?

Before you begin searching for a new home, you need to determine how much you can afford. You may be able to afford more or even less than you think based on your income and the amount of down payment you have.

By getting pre-qualified BEFORE looking for a home, you’ll save yourself time, energy, and frustration because pre-qualification:

* Determines How Much Home You Can Afford *
Pre-Qualification helps you avoid buying less home than you can afford or being disappointed if you don’t qualify for as much as you had hoped for.

* Shows You What Your Down Payment & Closing Costs Will Be *
You’ll know approximately how much money you will need for your down payment and your closing costs before you sign a contract.

* Lets You Know What Your Monthly Payment Will Be *
You’ll have a general idea of what your monthly principal, interest, taxes, and insurance payment will be, and if you’ll need mortgage insurance.

* Identifies The Loan Programs You Will Qualify For *
With the wide variety of loan programs available, it’s important to know which types you qualify for and which will best suit your needs.

At this point, the lender can also help you determine alternatives and strategies that could help you buy the home of your dreams. These may include:
* Special first-time home buyer programs * Low down payment programs
* Co-mortgage financing * Debt consolidation assistance

Contact Blaine to start the pre-qualification process.