Why Get Pre-Qualified?

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.

A pre approval is basically that check you need to buy your home.

Erika and Laura will walk you through the process and recommend you to the lender that makes sense to YOUR Personal financial circumstance. Not all lenders are made equal. We have a high level of experts to work with You.

In order to start home shopping, having your mortgage approved, copies of your FICO scores and proof of funds will be crucial to the purchase process.

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