Are you pre-qualified?

Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford. This will put you in a better position as a buyer.

To get pre-qualified for a loan, I will collect information about your debt, income, and assets. We’ll 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. I will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.

It is essential to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend.

To get pre-approved, you will complete a mortgage application and provide me with information verifying your employment, assets, and financial status, such as W-2 forms, bank records, and credit card statements. We’ll review your mortgage options and submit your application to the lender that best meets your needs. Once the application process is complete, you will receive a pre-qualification letter indicating the amount your lender will lend you for your home.

A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home you wish to purchase and certain other conditions. If your financial situation changes (e.g., you lose your job), interest rates rise or a specified expiration date pass, your lender must review your situation and recalculate your mortgage amount accordingly.

Use our easy online application: Apply Now!