Become more attractive to sellers as a pre-approved buyer.
Great realtors require buyers to get pre-approved before even starting to house hunt. Plus pre-approval is the only way to make sure you qualify for the terms you’re expecting.
Before you start looking for your new home, we can help you with a mortgage pre-approval and strategy.
This is the most important step of the entire process: determining the financial strategy for your new home. We work to help you get pre-approved and on your way to home ownership! Simply fill out our mortgage application and submit your financial documents so we can do a thorough review. This is all done securely on our website. With our pre-approval letter in hand, you will be in complete control of your homebuying process…and guess what? Pre-approved buyers always have a better chance at getting their offer accepted.
Some realtors require buyers to get pre-qualified before even starting to house hunt. A simple mortgage prequalification letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother.
How’s your credit?
Lenders look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. Sidenote: did you know there are about 39 different metrics that a lender reviews to determine your lendability?
While there are many websites that allow you to quickly check your credit & credit score for free, just know that you will probably pull a credit score that is different from what a lender pulls…why you ask? The industry will tell you that those consumer websites pull a “consumer credit score model”, and lenders pull a “lending credit score on a different model”. The truth is the system is rigged against the consumer and frankly, it doesn’t make sense to us either.
If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.
About Us
Robert Spiegel aims to consistently be in the top 1% of loan originators in the nation with over 22 years as a loan officer and 28 years in the real estate industry.
Robert represents First Horizon Bank, NMLS #472329.
This site does not necessarily represent the views of companies that Robert represents.
Contact Us
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920 Memorial City Way
Suite 1125
Houston, TX 77024 - (713) 961-5363
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© Robert Spiegel NMLS 198315. All Rights Reserved. 920 Memorial City Way, Suite 1125, Houston, TX 77024. Phone: 713-961-5363
Banking products and services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. NMLS #472329.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.