Homeownership is the foundation for creating a lifetime of unforgettable memories with your loved ones. From the first family dinner to the laughter of children playing in the backyard, your home will become the center of your life’s most cherished moments. Start your journey to a lifetime of memories today by making your own home a reality.
Buying a home has never been easier with the right agent and lender. There are hundreds of loan programs that are specialized depending on industry, type of property or type of buyer. Below are some frequently asked questions.
What is a pre-qualify? The first step in the home-buying process is to get pre-approved, which is a statement of how much money the lender is willing to let you borrow to pay for a home.
What’s required to get pre-approved? To get pre-approved for a home loan, you will need to provide the lender your financial information such as your income, debt, and undergo a credit check.
Do I need to get a loan before I find a home? By going through the pre-qualify process you will know how much money a lender is willing to give you – saving time during your house search by eliminating the homes out of your price range.
How can I find out my credit score? Once a year, you are entitled to a free copy of your credit score from all the major credit bureaus. To obtain your free credit report visit www.annualcreditreport.com
Why should I get pre-approved now? If you are searching for homes, sellers want to know that a lender has already vetted you and will lend you the money. If you find a home you like, you will not be able to submit an offer without a pre-qualify.
How quickly can I get pre-approved? Getting pre-approved is a quick process – once you fill out a loan application the lender will need to run your credit to determine what amount and rate you can qualify for.
Ready to get started? Click on this link to be taken to our lender’s page to answer a few simple questions.