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.

Get Pre-Approved!

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October Lunch and Learn / Webinar: The Ins & Outs of Appraisals

Appraisals – Its complicated

When we start talking appraisals it can get confusing.  As lenders, we learn what’s important for getting the loan closed.  Realtors put their market analysis hat on when they think about them.  Neither is correct.  Look at it this way, an appraiser is in a profession in and of it’s self.  Appraisers are licensed and trained to look at property values in a pretty specific way.  On top of that the different loan programs all have different “rules” the appraiser must follow.  Then at the end of the day its not a specific formula but a matter of opinion.  That’s why we always tell people we could order 5 appraisals on a property and we would get 5 different sets of results.   During this event we are going to go over many of the things the appraisers look at, how they analyze the property, and some of the different variables that come into play across different loan programs.  If you are looking for a deeper understanding of how appraisers think this is a must attend event.

Hot Topics We Will Cover

Here is a list of some of the things we will cover during the event:

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