Get Pre-Approved First

• A mortgage loan Pre-Approval is one of the smartest moves you can make when shopping for a house.
• The pre-approval process establishes an all-important relationship between you and your lender.
• Getting pre-approved tells you the maximum the lender is likely to loan you, which helps you narrow down your home search to affordable properties
• You can get an idea of what your monthly payments would be
• You’ll have more credibility with real estate agents and with sellers if your loan is pre-approved. Some agents won’t take you seriously until you have the pre-approval. They don’t want to waste their time, or yours.
• Mortgage loan approval takes time. If you wait to apply until you’re ready to make an offer, you could lose out on the home to someone who is pre-approved.
• If your circumstances don’t qualify you for a low interest rate, you’ll know that going in. You might decide to look in a lower price range to make up the difference.
• Pre-approval gives you at least some peace of mind, which you will appreciate during the often-stressful process of buying a home.

Homebuyer Programs

• Many mortgage programs allow you to buy a home with a minimal down payment.
• Some mortgage programs require as little as 3.5% down! In many cases, your down payment can be a gift from a relative or non-profit organization.
• Are you a veteran, member of the military, or a surviving spouse of a veteran? You may be able to refinance up to 100% of your home, or buy a home with no down payment.
• We can even match you with an experienced real estate agent in your neighborhood. This will ensure a seamless home buying experience.

Knowing how much you can spend is easy: Get pre-approved today for a mortgage before you start any serious home-shopping.