The Importance of being Pre-Approved for your next mortgage!

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Pre-Approval

When we pre-approve you, we help you determine the amount in monthly payments you can afford, and the size of loan you will qualify for. We can accomplish this by considering your income and debts, your work and housing circumstances, your funds available for a down payment, required reserves, and some other things. It's short and to the point; We keep the paperwork to a minimum.

We give you a Pre-Approval Letter if you qualify, that states that we're confident you will qualify for up to a specific amount of mortgage loan dollars.

Why is a Pre-Approval Important?

First, you have definite numbers in hand as the amount you will be able to borrow. More important to the seller, your pre-approval is like your having entered their front door with a suitcase full of money ready to make the deal! They will not have to be concerned that they're wasting their time if you can't have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the ability to back up your offer.

Have questions?  Call us at 800.465.1404.1000. It's our job to answer pre-approval questions, so we're happy to help!