Minimize change and keep an open line of communication. Mortgage pre-approval is based on a review of your credit and financial profile at the time of application. With a pre-approval letter in hand, you can confidently shop for a home that is within your budget and expect the loan will be closed.

Don’t let assumptions stop you from buying a home. One of the most common barriers to home ownership is lack of a sufficient down payment. We have an array of loan programs for first time buyers with very low or even no down payment. One popular program we offer requires just 3% down payment with a low mortgage insurance payment.

There’s a difference. My team focuses on getting buyers “pre-approved,” but you may also hear about getting “pre-qualified.” Some people seem to use these terms interchangeably, but there is a difference in the meaning. Pre-approval is the stronger indication of loan approval and gives the buyer peace of mind that the loan will be closed.

Buying a home is an exciting time. Most people start searching online to find available houses and the excitement just increases. It’s easy to fall in love with something you see at this stage and request a showing. For many, the reality sets in when discovering they are not fully prepared.

We’ll help guide you through the mortgage lending process, from pre-approval through a successful close. During the process, it’s important to minimize changes to your career and financial situation to avoid unexpected delays and possible rejection. Somethings it’s easier to remember what NOT to do.