Get Pre-Approved

Shopping for your new home is easier with the piece of mind provided by a mortgage pre-approval.  A mortgage pre-approval is like applying for the mortgage itself, but it ties the lender, and not you, to the rate they have provided for up to 120 days. If the rates go down, you can get the lower rate, but if they go up, you can rest assured knowing that your rate won't increase due to your rate guarantee.  It's a win-win situation!

The pre-approval process can also be a time for us to get to know each other, and for me to become familiar with your unique sitation.  It's also an opportunity for me to provide expert advise, guide you if you are new to the process or even if you aren't, and provide another opportunity for you to ask questions.  This stage can provide valuable information and guide you on the right track! 

During mortgage preapproval, your credit history and income will be reviewed. If satisfactory to the lender, a mortgage preapproval is granted for a specific amount, mortgage rate and term, subject to providing verification of income, down payment, and any other conditions the lender requires. It is always wise to still include a “subject to financing” clause in your real estate offer, to protect yourself against unforeseen issues.  Apply on-line or Contact Me anytime for mortgage preapproval and mortgage advice.

My goal is to make your real estate  purchase as enjoyable, and as seamless an experience as possible!

warmest regards,

Lynda Smith

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