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Most people who are looking to buy a home in the next six to twelve months don’t realize that now is the time to start the process. There are many reasons why we should meet well before you make an offer:

1. Any credit issues you may have will be discovered with plenty of time to resolve them.

2. You will be able to put your money to its best use. For some it may be more beneficial to pay down a credit card than to save the money, or vice versa.

3. You may find you are able to afford more home than you thought.

4. You may find you are able to buy sooner than you thought.

What is the difference between being Pre-Qualified and Pre-Approved?
To get pre-qualified for a loan, we will collect information about your debt, income, and assets. We’ll look at your credit report, down payment, and discuss different loan programs that would work for you. It is important to understand that a pre-qualification letter is just an estimate of what you are able to borrow, not a commitment to lend.

Getting pre-approved for a loan gives you competitive advantage when the time comes to make an offer on a home because you have a loan approval from a bank. To get pre-approved, you will complete a mortgage application and provide us documentation to verify your employment, assets, and financial status. We’ll review your mortgage options and submit your application to the lender that best meets your needs. It is important to remember that a pre-approval letter is not binding on the lender; it is subject to an appraisal, and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise, or a specified expiration date passes, your lender must re-evaluate your situation.