Get your financing straight before you start looking

What Lance can help you sort out

• How much house your payment supports. Price is only half the story — property taxes, insurance and HOA dues decide what the month actually feels like. Start with the mortgage calculator.
• What a strong offer looks like here. Central Valley sellers read the financing terms as closely as the price. Lance will tell you which parts of your offer carry weight.
• Down payment planning. Run different deposit percentages side by side and see what each one does to the monthly figure.
• Timing a sale and a purchase together. If you are selling to buy, the two timelines have to line up. That is a conversation worth having early — see how Lance handles the sell side.
• Probate, trust and divorce sales. These transactions have their own financing wrinkles, and Lance handles all three.

Who this is for

First-time buyers in Stockton and Lodi, families trading up in Manteca, Tracy and Modesto, buyers moving into a 55 and up community, and investors looking at land or commercial property. If you are buying anywhere in the Central Valley, the conversation is free and there is no obligation attached to it.

Lance is not a lender

Lance McHan is a REALTOR® with Cornerstone Real Estate Group, License ID 01987449. He does not originate loans or quote rates — your lender does that. What he does is make sure the financing side and the property side fit together so your offer holds up all the way to close.