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Mortgage Loans
Even though it may seem like it sometimes, there are not as many mortgage loan options as there are borrowers! We can help you select the mortgage loan program that will fit your situation the best. There are several questions to ask yourself as you review your options.
Before you begin to shop for a new home or begin a refinance, you should set up a time to meet with us so we can figure out how much you can afford, and which program might be best for you. This will put you in a better position to purchase that dream home or get that lower rate. That’s when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan. The difference between the two terms will be crucial when you decide to make an offer on a house.
To get pre-qualified for a loan, the Mortgage Loan officer will collect information about your debt, income, and assets. They will look at your credit profile and assess goals for a down payment and get an idea of different loan programs that would work for you. They will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.
It is important to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend. Getting pre-approved for a loan gives you competitive advantage when the time comes to bid on a home because you have been approved for a loan for a specified amount.
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