A surprising number of people continue to pay their landlord’s mortgage simply because they never took the first step towards home ownership out of embarrassment over their credit history, many would be surprised to learn that they have been throwing money down the drain needlessly.

While your financial particulars are very personal, they are usually not unique to you. Lenders have seen so many variations of your situation that it is highly unlikely that you will shock them.

A TRUE PROFESSIONAL WILL TREAT YOU WITH RESPECT and give you an accurate picture of what you can realistically afford. Your business is valuable, regardless of the dollar amount of your loan. If a lender does not show you the same consideration they show their high dollar clients, simply take your business elsewhere.
Pre-approval means simply that a qualified lender will look at your credit history and income, compare it with your current monthly obligations, and see what you can realistically afford. It does NOT mean you have already been approved for a loan, rather it is a predictor of the likelihood you will get a loan.
Speaking with a lender before you hit the streets with a REALTOR® will benefit you in the following ways:

• YOU’LL AVOID DISAPPOINTMENT:
• YOU WILL SAVE TIME
• YOU CAN PLAN WISELY AND ESTABLISH PRIORITIES.
• YOUR OFFER WILL BE MORE ATTRACTIVE TO THE SELLER
• YOUR CLOSING WILL GO SMOOTHER:

A pre-approved mortgage and rate guarantee lets you lock in your interest rate for as long as 60 - 90 days, if interest rates increase during this period, yours won't. If your mortgage is funded within the guaranteed period and interest rates are lower on the funding date, you will receive the lower rate. Click here to apply online.