Pre Qualify for Home Loan

Step 3: Pre qualify for Home Loan

Click here to apply for a home loan

You will need to pre qualify for home loan before we begin the home hunting. This means the lender informally qualifies you for a loan by getting basic information on your income, debts and credit.

This first step is essential, as this will estimate your monthly mortgage payments, down payment (if any), estimated interest rate and most importantly what price you can afford to pay for your Home. I don't suggest looking at homes until this step is completed!

I suggest you shop around for a Home Loan

But try to keep it to a minimum or get your own credit report. On the right I have some links where you can purchase your credit report. This will prevent your credit score from dropping due to excessive checks into your credit.

Basically there are two ways to approach this:

Mortgage Brokers; are commonly known intermediaries who work with networks of mortgage lenders to help prospective home buyers get the best mortgage deal.

Mortgage Lenders (Banks); are the source of the funds being loaned for the purchase.

There are pros and cons to both lending sources. The advantage to working with mortgage banks is that they lend directly to the home buyer, while mortgage brokers act as middlemen. Sometimes mortgage banks will pick up the tab for the mortgage fees, which brokers will always charge because that's how they get paid. Mortgage Brokers, on the other hand, say that they can help home borrowers by tapping a broader variety of mortgage lending sources.


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We can give you an almost unfair edge over other Home Buyers. By completing the form below and letting us know the home you are interested in buying, we will set up an automatic Home search program that will send you homes matching your criteria, as soon as they are listed.

You will actually have access and information to some these Homes before most Real Estate Agents!

Home Buying Search Criteria
Please note that all fields followed by an asterisk must be filled in.
First Name*
Last Name*
E-mail Address*
Primary Phone
Secondary Phone
Are you currently working with another Realtor?*
When will you be buying your new home?*
Cities or Areas of Interest*
Price Range*
Type of Home
Bedrooms*
Baths*
Lot Size
Additional Features of interest
Comments
Would you like to get Pre-Approved for a home loan?*

Please enter the word that you see below.