Get Qualified

Getting qualified before you apply for a loan can help you understand how much you can borrow.

When buying a home, you may be pre-qualified or pre-approved. You can be pre-qualified over the phone or on the Internet in a few minutes. Pre-qualification is not as useful as pre-approval. Pre-approval requires a more rigorous process, including verification of your credit, income, assets and liabilities. It is highly recommended that you be pre-approved before you start looking for a home. In most cases I can have your pre-approval within 24 hours upon receipt of requested information. Being pre-approved will:

• Inform you of your maximum affordable home value, and save you from previewing properties outside your price range.
• Put you in a stronger negotiating position with the seller, because the seller will know your loan is pre-approved.
• Help you close quickly, since your loan is pre-approved.

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