The Advantages of Getting Pre-Approved 

We can answer any questions you may have about the mortgage process, but the best way you can be prepared to buy a home is to get pre-approved. In the pre-qualification process we review your finances and credit to put together an accurate “estimate” of how much home you can afford. In the pre-approval process we collect documentation supporting your finances and then submit an application to get you “pre-approved” for your mortgage.

The benefits of pre-approval are huge when you have found the home of your dreams. To a home seller your being pre-approved is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you can’t afford to finance the amount you're offering for the home. You have the clout of a “cash buyer” who is ready to make the deal right now!

Getting pre-approved is also quick and easy. I will provide you with your credit rating, the approximate amount for which you qualify, and a list of the items needed to finish the approval. Generally, all we need from you are a few basic items which you can fax to us, such as a recent pay stub, the last two years of W2 statements, and a recent bank statement. In 10-15 minutes we can complete the application on the phone, in-person, or you can use our online loan application.

We will work together toward YOUR specific goals - just as every person is unique, so are their home financing needs. We will review your mortgage options and then submit your application for the loan program that best meets your needs. Once the application process is complete you will receive a pre-approval letter indicating the amount the lender is willing to lend you for your home.

To begin the process you can complete the form below, give us a call, or complete our online loan application. We look forward to helping you get pre-approved and finding your new home.