Pre-Approval
Get Pre-Approved Before You Shop!
Thinking about buying a home? The first stop should be setting up a meeting to get preapproved. In our meeting, we will review your information, assess goals for a down payment, monthly house payment, and more. Together we will determine your loan options and which loan program could work best for you. With a pre-approval you will receive a letter to take with you.
Getting a pre-approval letter for your mortgage loan will not only give you the ability to shop for your new home with confidence but it may give you a competitive advantage when making a bid or offer on a home.
The pre-approval letter we provide you allows the Real Estate Agents and the sellers to accept your offer with confidence knowing you have already taken the first step towards mortgage financing.
A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise or a specified expiration date passes, we will need to review your situation and recalculate your pre-approved mortgage amount.
Latest Blog Post
How to Get $10,000 for a Down Payment in Kalamazoo: MSHDA 2026 Guide
Is your dream home stuck on the runway because you don’t have $10,000 sitting in the bank?
In aviation, we don’t just take off and hope for the best. We use every tool available—flaps, trim, and GPS—to get airborne safely. In the Michigan mortgage world, MSHDA is the extra lift you need to get off the ground.
If you are buying a home in Kalamazoo, Portage, or anywhere in Michigan, you need to know about these programs. They aren’t “too good to be true.” They are real tools designed to help you stop renting and start owning.
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