Why Get Pre-Qualified?

Have you decided you are ready to search for your next home? In this competitive market it is essential that you get pre-approved before your first offer on a home. If you need a referral to a good Mortgage company or broker please don't hesitate to contact me.

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.


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