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WHAT IS THE DIFFERENCE BETWEEN PRE-QUALIFIED AND PRE-APPROVED?

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Pre-qualification means you will only have an idea of the amount of home you can afford; it does not guarantee you a home mortgage. Getting pre-qualified is the first thing you should do prior to looking for a new home. It is a simple process. When you fill out the pre-qualification information sheet and submit it to us, we will let you know what price range you can start searching in. This same application, with a little more information, can be used to get you pre-approved for a home loan.

Pre-approval is when we take all the information from the pre-qualification info sheet, along with some additional documentation and submit it to the lender for a pre-approval. This pre-approval typically has some basic conditions, but states that as long as you are able to meet these conditions the lender will give you a home mortgage.

Now is a great time to get pre-qualified or pre-approved. Homes prices have fallen and the inventory is starting to decrease. It is definitely a great buying opportunity for you. Once you are pre-approved and you find the home you are want, it will be quicker to close on the loan and to move into your new home. Nowadays, more and more real estate contracts are calling for home buyers to be pre-approved. It is a powerful negotiating advantage for the sellers to know that you have already been pre-approved for a home loan.

Fill out the pre-qualification information sheet and submit it to us, tell us whether you want to be pre-qualified or pre-approved. Please make sure all the information is correct and complete.

Click here if you would like to get pre-qualified for a home loan.