PRE-QUALIFYING FOR YOUR MORTGAGE  

  The most important thing you can do to help yourself with the approval of your home loan is to go through the pre-qualification process with a Certified Loan Broker.  The loans that give lenders the biggest challenge are with borrowers who should have taken the time to be properly pre-qualified in advance.  This can also give you important guidance about the best loan for your personal financial picture.  It will often save you time, money, and in some instances, the heartache of being denied your home loan.

    If you are properly pre-qualified before you buy a home, the entire loan process can be simplified.  Certified Loan Brokers are experts at helping you with this very important part of the loan process.  

    It is much easier to shop for a home loan if you know in advance what you can afford.   You can make arrangements with a Certified Loan Broker to be "pre-qualified" for your loan.

Here's how to do it:     

Complete the pre-qualification screen on this website.

    A Certified Loan Broker will contact you to review your specific needs.  At that time, you will be able to discuss different financing options and decide which type of loan is best for you.

    If you desire they will write you a pre-qualification letter that will let your REALTOR^®, as well as the seller of a property, know that you have been counseled and should be a preferred purchaser.

    It is a good feeling to have the pressure of worrying about the loan behind you and know that you can concentrate on finding that "dream home."

    As a pre-qualified buyer, you will have stronger bargaining power when making an offer on a house.  A seller that is certain you can afford the house is more likely to accept your offer.

    Sellers often request a "pre-qualification" letter before they will accept a contract.  This letter does not disclose any personal information about you but will give the seller some security about your ability to complete the loan process.  You also can obtain full loan approval before you buy.  The only contingency remaining would be the appraisal for the property.

    We always suggest that you be pre-qualified or fully approved before you buy.  It makes your contract offer much more attractive.

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