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Feb 19

Easy Mortgage Approval In 8 Minutes or Less

Getting approved for a mortgage can be an easy process!

Here are the basic first steps for getting pre-qualified to buy a house.

  1. The first step is to go through a Loan Application.  This can be done over the phone or online, and generally takes less than 10 minutes.
  2. Once you have completed your application, your lender will pull your credit and compare loan options for you.
  3. The next step will be providing your lender with documents to support your application.

Before you start looking at houses, take some time to consider your money goals: monthly payment and cash to close:

  • Monthly Payment: What is the highest monthly payment you would be comfortable with?  Keep in mind that a mortgage payment generally includes your property taxes and homeowner’s insurance.
  • Cash to Close:  How much do you want to put down on the purchase?  Your “cash to close” consists of your down payment, plus closing costs and pre-paid items (taxes, insurance and interest).

Buying a house does not need to be a stressful process.  Whether you are a first time buyer, a move-up buyer, or a veteran home buyer, try to enjoy the journey!

Find Out More!