I will work with you to get pre-approved and will let you know for certain what you can afford based on lender and insurer criteria, and what your payments on a specific mortgage will be.

I can lock-in an interest rate for you for anywhere from 60 – 120 days while you shop for your perfect home.  By locking in an interest rate, you are guaranteed to get a mortgage for at least that rate or better.  If interest rates drop, your locked-in rate will drop as well.  However, if the interest rates go up, your locked-in interest rate will not, ensuring you get the best rate throughout the mortgage pre-approval process.

In order to get pre-approved for a mortgage, I require a short list of information that will allow me to determine your buying power.  I will explain to you the benefits of shorter or longer mortgage terms, the latest programs available, which mortgage products they believe will most likely meet your needs the best, plus I will review all of the other costs involved with purchasing a home.

Getting pre-approved for a mortgage is something every potential home buyer should do before going shopping for a new home.  A pre-approval will give you the confidence of knowing that financing is available, and it can put you in a very positive negotiation position against other home buyers who aren’t pre-approved.