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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.

Couple meeting with Loan Officer

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 will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the more important factors in getting approved for a mortgage.  Sidenote: did you know there are about 39 different metrics that a lender reviews to determine your lendability?

There are many websites that allow you to quickly check your credit & credit score for free. Two options are and

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.

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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