Get your pre-approval before purchasing a home. For a mortgage pre-approval, your licensed mortgage professional will complete verification prior to shopping for a home, and this will help you understand how much you can spend.
The mortgage professional will let you know the amount you can afford based on the lender and insurer choice and will calculate your potential payments on a specific mortgage.
We Lock It For You!
We can lock-in an interest rate for you for anywhere from 60 to 120 days while you shop for your perfect home. By locking in an interest rate, you are guaranteed to get a mortgage for at least that rate or better. If interest rates drop, your locked-in rate will drop as well and if the interest rates go up, your locked-in interest rate will not.
We need a list of information for your mortgage pre-approval, to allow us to determine your buying power. We explain the benefits of shorter or longer mortgage terms, the latest programs available, the mortgage products that will most likely meet your needs the best. We will also review all of the other costs involved with purchasing a home.
A pre-approval will give you the confidence of knowing that financing is available whenever you need it and can help you with negotiation against other home buyers who aren’t pre-approved.
Do multiple pre-approvals hurt credit?
Credit bureaus are aware that many people are looking for a mortgage. Even if the lender uses a hard credit check for pre-approval, if you complete the pre-approval of multiple mortgages within 45 days, your credit score will not be affected any further.
