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We offer a unique lending experience 25+ years experience in the mortgage industry, are you considering buying or refinancing your home? If so, then you are in the right place!

We will provide the highest level of expertise to quickly guide you through the entire process of finding the best mortgage loan. Our goal is to help families like yours save money on your mortgage.

We’ve helped thousands of clients choose the very best home finance option. We want you to come back to me for an exceptional home financing experien.

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Buying a home may be the most exciting, confusing and stressful financial transaction you ever undertake. Even if you have done it before, you can still find the process complicated and intimidating, particularly when it comes to getting a mortgage loan.

Countless loan documents, unfamiliar terminology and uncertainty serve to temper the joy of buying a new home.

Receive a pre-approval letter

A mortgage pre-approval is a written commitment from a lender to loan you a specified amount of money toward the purchase of a home once certain conditions are met.

Getting pre-approved for a home loan is a step toward receiving a mortgage but not a loan guarantee.

During the pre-approval process, a lender will evaluate your credit and verify your financial information before issuing you a mortgage pre-approval letter that details the loan amount they're willing to lend you, the interest rate you might receive and the types of loans you qualify for (among other helpful information). Speak with a lender to learn more about the mortgage pre-approval process.

Get Pre-Approved Before Looking For a House?

Yes, you should get pre-approved before looking for a home. No matter the stage you are in, a mortgage pre-approval is the first big step on your path to homeownership.

Pre-approvals give you invaluable information to use for budgeting and financial planning leading up to your purchase. This type of planning is especially helpful for renters thinking of breaking a lease to buy a house.

If you are looking to buy sooner, your pre-approval will allow you to submit a serious offer once you find a home you love and speed up the mortgage process when you find a home you love.

Real estate agents prefer to show homes to buyers who have preapproval letters because it implies that they’re a serious buyer who is financially qualified for a proposed purchase.

5 Reasons Realtors Want Pre-Approval Letters

1. Safety

Realtors put themselves at risk by meeting strangers in empty homes regularly. While it’s not necessarily considered a dangerous profession, some Realtors have been injured or even killed while performing their regular tasks.

Pre-approval letters helps to protect the Realtor because it means a lender has done some work to vet the buyer. They have the buyer’s social security number and personal information, which means they are probably pretty serious about buying a home.

For Realtors, one of the top safety tips making the published lists is getting a pre-approval letter. It ensures they are dealing with a serious homebuyer and not someone trying to hurt or scam them in some way.

2. Saves the Realtor Time

Realtors are very busy, especially the good ones. They don’t have time to waste with buyers unable to get approved for the home financing. Pre-approval letters may not guarantee a buyer will be approved, but it does provide as close to a guarantee as you can get outside of an all-cash buyer.

It will also keep you from wasting time looking for homes you cannot afford. Maybe you cannot get financing, but you thought you could. If you get a pre-approval letter, you’ll be on the road to ensuring you can actually make an offer on a home when you find one you like.

3. Make Home Shopping Easier

When a real estate agent has a pre-approval letter, they know what you can and cannot afford. They can search for homes within your range and find the best options for you. Without this letter, they could waste time showing you homes you cannot even afford.

This is a benefit for both you as the buyer and for the Realtor. You won’t fall in love with a home you cannot afford and your agent won’t show you homes you cannot afford.

4. Makes Your Offer Stronger

Without a pre-approval letter, sellers have no idea if you’ll get approved and they don’t want to waste any time. This letter gives you the necessary leverage to show the seller you can afford the home and you’re a safer bet than someone without a pre-approval letter.

Some sellers might even require a pre-approval letter just to see the property. If this is the case, you will need this letter or you might struggle to find homes you can even look at, let alone make an offer on.

5. Offers Proof of Ability to Gain Financing

Realtors don’t know you and don’t have any idea if you can obtain financing for a home you want to look at. With a pre-approval letter, you are giving them proof you can obtain financing for a home. About 90% of serious buyers will get a pre-approval letter without any issue.

If you’re a serious buyer, this shouldn’t be an issue at all. You will need to know you can get financing, anyway, and there are plenty of benefits for buyers getting a pre-approval letter.

The best thing any buyer can do before shopping for a home, or even a Realtor, is getting a pre-approval letter.

This letter gives you negotiating power, along with the ability to shop within your price range. As a buyer, you gain plenty of benefits from a pre-approval letter.

Sellers also like to see a preapproval

Sellers want the entire transaction to go through smoothly, and hang-ups in financing could cause delays and even cancellations. By submitting a letter that includes your pre-approval for a loan, you’re demonstrating a lender’s faith in your ability to complete the sale, and that can make your offer more attractive to a realtor.

It suggests that you have enough money to back up a proposed offer if you choose to extend one. A preapproval letter is not a binding contract, but it does serve as a form of upfront verification that gives partners the confidence that you’re able to qualify for a mortgage should you enter into a purchase agreement.

Having a preapproval letter can give buyers a competitive edge, especially when compared to home shoppers who have not sought mortgage preapproval. With a preapproval letter, you’ll not only be able to make offers on properties faster, but you’ll also enjoy a leg up on shoppers who haven’t gone through financial screening to see if they qualify for a mortgage.

What Exactly is a Mortgage Pre-Approval?

A mortgage preapproval is a statement, usually a document or letter, of how much money a lender is willing to let you borrow to pay for a home. The preapproval indicates that the lender is prepared to move forward with the loan as long as the home meets certain criteria and your financial situation doesn’t change drastically while you look for a home to purchase.

The preapproval is based on your financial profile, including your income, how much money you have in the bank and investment accounts and your debts. The lender performs a hard credit inquiry as part of the preapproval process, as well. With this information, the lender can make an informed estimate about how much house you can afford and, if you qualify, can preapprove you for a specific loan amount.

A mortgage pre-approval uses your verified credit score, income documentation, bank statements, and employment verification to approve you, as a buyer, to purchase a home.

Once pre-approved, you’ll receive an itemized estimate of interest rates, closing costs, monthly payments, and the maximum amount you’re approved to buy. This information is crucial to understanding how much you can borrow.

What is the Difference Between Pre-Qualification and Pre-Approval?

A pre-qualification does not use verified information to approve you, whereas a pre-approval does.

Pre-qualifications use self-reported information and don’t take the additional steps to verify it. Pre-qualifications provide estimates rather than accurate numbers.

A pre-approval requires an actual credit check and supporting financial documentation, which gives a precise, customized quote for every home buyer.

Benefits of Getting Pre-Approved Before You House Shopping

A mortgage preapproval helps you understand the affordability of a house by specifying the loan amount a lender is willing to offer based on your financial details. This amount is determined after a thorough evaluation of factors like your credit history, income, and debt-to-income ratio (DTI). Essentially, it provides you with a precise and realistic understanding of your budget constraints, enabling you to concentrate your property search on homes within your financial means.

Inspires Confidence With Home Sellers

Obtaining mortgage preapproval demonstrates your genuine commitment to the real estate process and also positions you as an appealing buyer to sellers. Sellers often prefer preapproved buyers because it assures them of your comprehensive financial evaluation, making your offer more attractive and reducing the perceived risk of financing issues causing the deal to fall through.

In competitive markets with multiple offers, having preapproval gives you a significant edge by providing a clear budget and enhancing your overall credibility. This increases the likelihood of sellers viewing your offer favorably and can contribute to a smoother overall process for everyone involved.

Speeds Up The Closing Process

Initiating your home buying journey with mortgage preapproval not only brings financial clarity but also expedites the subsequent closing process.

With preapproval, a significant part of the groundwork for your mortgage application, including a thorough examination of financial documents and credit history, is already completed.

This upfront preparation facilitates a swift start to the formal mortgage application process when you find the perfect property, often leading to a quicker closing. Essentially, beginning with mortgage preapproval positions you advantageously for a more efficient and timely transition from offer to the final closing stages of your home purchase.

Mortgage Application Document Checklist

All Borrowers:

• Copies of W-2’s and signed tax returns for last two years.
• Copies of paycheck stubs for last 30 days (most current).
• Copies of checking and saving account statements for last two months (all pages).
• Copies of quarterly or semi-annual statements for checking, sharing etc.
• Copy of Sales Contract (when available)
• Employment history last two years (address any gaps in employment).
• Residency history last two years, with name, phone number, address, and account number of landlord or a mortgage statement. For rental property; copies of leases plus mortgage information, property tax, HOI.
• Canceled earnest money check (when it clears) or corresponding bank statement, if applicable.
• Any assets used for down payment, closing cost, and cash reserves must be documented by a paper trail.
• Copy of social security card and driver’s license.
• If paid off mortgage in the last year, need copies of CD/HUD1 or release of lien.
• Refinance copy or note, settlement statement, survey.

Documents Which May Be Required:

• Relocation Agreement if move is financed by employer, i.e. buyout agreement plus documentation outlining company paid closing costs benefits.
• Previous bankruptcy – need copies of petition for bankruptcy and discharge, including supporting schedule.
• Divorce Decree if applicable.
• Documentation supporting monies received from social security/retirement trust income, i.e. copies of direct deposit bank statements, awards letter, evidence income will continue.

Self-Employed Borrowers Additional Documents:

• Copies of signed business tax returns for last two years.
• YTD Profit & Loss Statement and Balance Sheet.
• Copy of Business License or CPA contact information.
• 1099s or K1 forms.

Documents Needed for FHA/VA Loans:

• FHA: Copy of social security card for each applicant and co-applicant.
• VA: Original certificate of eligibility and copy of DD214 discharge paper.
• VA: Name and address of nearest living relative.