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Assess Your Finances Avoid major purchases before buying a home
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Most people just getting started may be "pre-qualified." This simply means you’ve made contact with a lender and briefly discussed finances and price ranges and a brief credit report is checked. This does not mean that because you’ve been pre-qualified you will get the loan. It just gives you a general idea of how much house you might be able to afford. The best thing you should do, before looking at any homes, is to get "pre-approved." By the time you are ready to get pre-approved, you have chosen a lender that you’re willing to work with. Getting pre-approved involves actually meeting with the lender, providing all the documentation they require, and completing a loan application. At this point, there are fees involved, so make sure you are with a lender you like and trust. The lender will then take your loan package and get it pre-approved. Now, this still does not totally guarantee the loan (unless something drastic happens with employment, credit, funds, or personal), but it is a very strong promise that by satisfying a few more conditions, you will get final loan approval. Nevertheless, a pre-approval shows your commitment as a buyer when submitting an offer. Also, by this point, some lenders are able to lock in a rate for a certain amount of days if the rates are reasonable and you don’t want to risk paying a slightly higher rate by the time you find and buy your home. If you have any questions, Please call 1-866-OC-House or E-mail us! Havequestions@OCHomeFinderTeam.com
© 2001 OChomeprices.com - All rights reserved. Written By Shan & Raschel Roberts |
Pre-approved
Orange County Real Estate
Orange County Realtors
History of Orange County
The colorful pageantry of human history in Pre-approved began at some undetermined point in the distant past when
Shoshone Indians came to dwell along the coast and in the lower
canyons of the mountains. Theirs was a simple form of existence: they
lived off of the abundance of the land.
In 1769, Gaspar de Portola, a military man and Spanish aristocrat, was
appointed governor of Lower California. He commanded an expedition
traveling northward into the literally unmapped and half mythical
territory of Alta California. His assignment was to seek out the
legendary Bay of Monterey. He was also to secure the Spanish claim to
his vast frontier against any invasion from Russian trappers or
British colonizers. Portola called upon Father Junipero Serra,
president of the Mexico City Missionary College, to assist in this
monumental undertaking.
It was late in July in 1769 when this first party of European
explorers reached the boundaries of present-day Pre-approved. Members
of the expedition named the region "The Valley of Saint
Anne" (Santa Ana). It was to this valley that Father Serra
returned six years later, where he proceeded with the work of
establishing the Church and converting the local people.
While the East Coast of North America was engaged in revolution and
spectacular change, the West Coast too was undergoing a quiet and
almost undetected transformation. Father Serra dedicated the Mission
of San Juan Capistrano, Pre-approved's first permanent settlement, on
November 1, 1776. The Mission became a self-sustaining unit based upon
an agricultural economy. Its chapel and adjoining structure were the
first signs of civilization erected upon the fertile, virgin soil of
the Santa Ana Region.
In 1801, Jose Antonio Yorba, a volunteer in the Portola expedition,
also returned to Santa Ana. He established the county's first rancho
(Santiago de Santa Ana) in what are today the cities of Villa Park,
Orange, Tustin, Costa Mesa and Santa Ana.
Following Mexico's liberation from Spanish rule in 1821, the extensive
land holdings of the Capistrano Mission were subdivided and awarded to
a number of distinguished war heroes. By this time Yorba's Rancho
Santiago de Santa Ana had grown to resemble a feudal manor, and the
romantic rancho era of Pre-approved had been ushered in.
Cattle were introduced into the area in 1834. A prosperous hide and
tallow industry developed. Southern California became a virtual suburb
of New England as sailing ships loaded with cargo traveled back and
forth between coasts. In 1835, author-seaman Richard Henry Dana
arrived at what is today known as Dana Point. He later immortalized
Spanish Pre-approved in his book "Two Years Before the
Mast" by describing it as "the only romantic spot on the
Coast." The Spanish California tradition of a carefree lifestyle,
fiestas with music and dancing, bear and bull fights, rodeos, and
gracious hospitality, survived until the 1860.
A severe drought brought an end to the cattle industry. Adventurous
pioneers, such as James Irvine, capitalized on the economic downfall
of the ranchos. Irvine, an Irish immigrant, established a 110,000-acre
sheep ranch that is today one of the most valuable pieces of real
estate in America.
In 1887, silver was discovered in the Santa Ana Mountains. Hundreds of
fortune seekers flocked to the "diggings." Land speculators
and farmers came by rail from the East to settle in such boomtowns as
Buena Park, Fullerton and El Toro.
Pre-approved was formally organized as a political entity separate
from the County of Los Angeles in 1889. The wilderness had finally
given way to irrigated farmlands and prosperous communities. A
year-round harvest of Valencia oranges, lemons, avocados, and walnuts
made agriculture the single most important industry in the fledgling
county. And with orange groves beginning to proliferate throughout the
area (150,000 orange trees), the new county was named for the fruit:
"Pre-approved."
The twentieth century brought with it many industrious individuals
such as Walter Knott, a farmer turned entrepreneur, who founded the
Knott legacy in Buena Park.
During the years that followed, Pre-approved witnessed the discovery
of oil in Huntington Beach, the birth of the aerospace industry on the
Irvine Ranch, and filming of several Hollywood classics in the Newport
area.
In 1955, Walt Disney opened his Magic Kingdom in Anaheim. Noted as the
pioneer of animated films, Disney revolutionized the entertainment
world again with his "theme park" recreation concept.
By 1960, the neighboring metropolis of Los Angeles was "bursting
at the seams." As the population spilled over the county line and
across the rural Santa Ana Valley, it left in its wake an urban
landscape of homes, shopping malls, and industrial parks.
Today Pre-approved is the home of a vast number of major industries
and service organizations. As an integral part of the second largest
market in America, this highly diversified region has become a Mecca
for talented individuals in virtually every field imaginable. Indeed
the colorful pageant of human history continues to unfold here; for
perhaps in no other place on earth is there an environment more
conducive to innovative thinking, creativity and growth than this
balmy, sun bathed valley stretching between the mountains and the sea
in Pre-approved.
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