Getting pre-approved for a home mortgage loan may seem like an intimidating task, but don't worry because it isn't! As long as you know what to do and have the right information in hand at all times, then getting approved will be easy.

 

If you're eyeing a home that is the stuff of your dreams - good location, best imaginable layout and finishes, and reasonably priced- then the odds are in your favor if you get preapproved for a mortgage loan. The process doesn't happen overnight of course but with enough patience and cooperation it won’t be hard to jump through hoops throughout this long journey which leads up to obtaining ownership.

  • Check Your Credit Reports and Credit Score

Did you know that your credit score affects more than just how much interest rates are on a loan? Did you also know that checking your reports and scores can be done in ten minutes with the help of free online tools? When it comes to improving things like employment prospects, insurance premiums, mortgage approvals or rental applications, there's no time like now.

  • Get Your Documents Ready

You're about to embark into the next chapter of your life and you need a little help from us! We have all the documents that will get you off on one foot. Just gather copies or originals of personal info, proof income (w2-tax returns), asset information (bank statements, stocks bonds).

  • Don’t Worry About One or Two

Start with talking to our local profession mortgage loan originators and let them walk you through on how how to get pre qualified for home loan..

Be sure to know what a good credit score looks like, as well as how to prepare a gift letter.

If a person is attentive and cooperative in their dealings with the lender, transactions will be smooth. The automated underwriting system reviews all of the necessary documents to determine if you are eligible for pre-approval and then enumerates any conditions that must be fulfilled before full approval can occur.