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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!

Latest Blog Post

HUD Home Financing Options

Understanding HUD Home Financing Options: A Comprehensive Guide

Buying a home is an exhilarating yet intricate process. For many, the dream of homeownership can seem daunting due to financial constraints. However, the U.S. Department of Housing and Urban Development (HUD) offers various financing options designed to assist individuals in purchasing HUD-owned homes, making the dream of owning a home more achievable. It is important to have a lender that is up to the challenge of navigating HUD home financing.

These properties are foreclosed homes. The previous owner had taken out an FHA mortgage and didn’t make the payments. Subsequently, these homes were foreclosed on. Often, these homes require repairs, and the utilities can’t be turned on. Frankly, HUD (the seller) doesn’t care – the properties are sold as-is, and HUD will not make any repairs to the home. That’s where things can get hairy if the lender is not equipped to navigate the process.

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