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Mortgage Preapproval

Before you start looking for your first home, we can help you with a mortgage preapproval letter.

I can help you get a mortgage preapproval letter and on your way to home ownership! All that you have to do is simply fill out our mortgage preapproval form securely on our website. With a preapproval letter in hand, you know that you may get approved for a mortgage before you even look at your first potential new home.

Most realtors require buyers to get pre-approved before even starting to house hunt. A simple mortgage preapproval letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother.

A Mortgage Preapproval Letter does not mean that you are approved for that loan.

When you are preapproved, that means that we have pulled your credit and looked over the income that you state and have preapproved you based on that information. An actual mortgage approval happens when your loan application has been approved by an underwriter. Underwriters review the stability of your income along with your assets and the property valuation.

Determine how your credit looks.

We will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.

There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.

If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.

Call me about your financial history, goals, and the path to buy a home.

See what other Veterans have to say about their experience Zillow Reviews. Or Contact me if you have questions.

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