How to Get Pre-Approved for a Mortgage Loan

Found a house you love but need a pre-approval letter to show your realtor?  We can help you out with the process! To get pre-approved, you will need to CONTACT one of our loan officers, who can analyze your situation and tell you how much you can afford to spend on a house. How is this accomplished?  Well, long story short, lenders are going to look at a few specific things before they give you the green light to go shopping for your first house. This includes running your credit and seeing how much income you earn, and then comparing it to how much you want to spend each month.  They will also take into consideration things such as how much money you have on hand and how much you pay each month towards bills like credit cards. If you are ready to apply or are interested in getting pre-approved, just select the option below that is most convenient for you. Complete our Quick Loan Application Form.   This process usually takes less than five minutes. A loan officer will contact you once we receive your application. Give us ...

Qualifying For A Mortgage

Unless you find yourself in the rare situation of having a few hundred thousand dollars laying around (or stuffed under your mattress), you're going to have to take out a mortgage if you want to purchase a house. There just isn't a way around it. So here's some tips for getting the process started, or as we call it in the mortgage biz, "getting pre-qualified." The first thing you are going to need to do is make sure all of  your finances are in order. If managed early (and correctly), this can help so there won't be any inconvenient roadblocks at the last minute that might prevent you from buying your dream home. Long story short, lenders are going to look at a few specific things before they give you the green light to go shopping for your first mansion.  Here they are: 1. Your credit history. Pretty much the first thing the banks will do when they see your name is pull a copy of your credit report and check it very thoroughly.  Banks do this because ...