Pre-qualification is a tool that can help you estimate how much you can borrow. It is not a commitment from a lender to fund your loan.

Pre-approval involves checking and verifying your ability to secure a home loan.

With us, you have access to almost every loan product available. Your Loan Officer, who you can contact 24/7, will go over your options in-depth. More options mean lower interest rates and lower closing costs. We don’t nickel-and-dime you with fees and can close quickly. 

Banks are very limited in their offerings because they are lenders. They are working in their interest and are not incentivized to give you a great deal. You often have to deal with “customer service” and are limited to communicating during office hours.

Needing to pay off debts before getting preapproved is a common misconception. Cash for a downpayment is much more critical. Before spending any money to pay down debt, meet with your Loan Officer. They will review your situation and give guidance if you need to make financial changes.

The mortgage process can vary. Our process makes it easy for you, your agent, and everyone else involved. It all starts with your pre-qualification and an accepted offer. From there, we take the wheel. We order an appraisal, update your credit report, and submit various documents to underwriting. The best part of our job is letting you know you’re cleared to close! 

Click here to check out our mortgage process steps for more details.

 You can also speak with our Loan Officers to get into the specifics of your customized loan process.

It would help if you got pre-approved when you’re serious about purchasing a home. There are over 40 million errors on credit reports. Pre-approval gives you time to identify and fix any mistakes in your credit history. You also receive an estimate for your loan approval and a commitment from the lender to fund your mortgage. Getting pre-approved makes the process of buying a home easier.

There is no upfront cost to you for the service we provide. We don’t get paid if you don’t close on a home. Unlike other brokers and lenders, we take a consultative rather than a sales approach. That means it is in our Loan Officer’s best interest to deliver a mortgage best fit your goals, not their pocket. We love educating our clients. We’ll go the extra mile to make sure you understand every cost that applies to your mortgage.

You should get pre-approved before looking at houses. That way you’re prepared to make a strong and confident offer when you find your dream home.

We get paid after you close on your new home. The portion that pays for our services diverts when your loan is funded. It is yet another part of our process you don’t have to worry about. If we know you can get a better deal with someone else, we will refer you to them.

Sellers are more likely to accept pre-approved offers. Pre-approval means your lender has checked and verified your ability to borrow. If you submit an offer without pre-approval, you’re likely to lose to someone who is.