Whether you are thinking about buying next week or next year, it is never too early to sit down with a mortgage expert and determine what you can purchase.

If you are ready to buy now, starting with the pre-approval determines exactly how much you can afford. You can start your real estate search with the confidence that you are looking at properties you can purchase.  There is nothing more disappointing than falling in love and then failing to close.  A strong pre-approval will make sure that does not happen!

In order to prepare for your pre-approval, have two months’ bank statements, two years’ W2’s, and your most recent pay stub available.  If you are self-employed or have other income sources, we will want to see two years’ federal tax returns as well.  If a lender issues a pre-approval without having reviewed all of these documents, RUN, do not walk, away! You are not pre-approved unless someone has validated all of your financial details.

If you are not yet ready to buy, the pre-approval process will create a plan for you to implement to get you in position to purchase the property you desire.  Whether it is a plan to build more savings, improve your credit scores and/or maximize your income, we can help. 

It is never too early to learn about your real estate and mortgage options.

When you make an offer on a home you have love and money on the line, we promise not to break your heart or your bank!