Mortgage Pre-Qualification

Venturing into the world of home buying? Your first step is right here: a mortgage pre-qualification. At our office, our primary aim is to craft a successful mortgage journey tailored just for you. Here’s why starting with a pre-qualification is essential:

1. It Sets the Pace: Whether you’re planning to purchase a home in the next month or the next year, getting pre-qualified sets the foundation for your home buying journey. In fact, it’s undeniably the most crucial step you’ll take.
2. Understanding the Nuances: It’s easy to get caught in the whirlwind of terms like “preapproval” and “60-second online approval”. However, a pre-qualification stands distinct. It’s a comprehensive assessment, ensuring you’re not just ready, but perfectly positioned for your home buying journey.
3. Preparation Meets Opportunity: Being organized and prepared before diving into house-hunting isn’t just advisable; it’s imperative. While mortgage approval guidelines maintain a standard, ensuring you’ve checked all boxes is crucial.
4. Our Thorough Approach: Our mortgage pre-qualification is more than just an online application. We delve deep, reviewing your credit, meticulously examining all supporting documents—from your proof of income to your down payment. And of course, every application receives our expert broker’s detailed review.
5. Crystal Clear Parameters: Confused about your pre-approval limits? Fret not! We provide an easy-to-grasp breakdown, ensuring you know your limits and equipping you with essential information to pave the way for your subsequent steps.
6. Guarding Your Interests: Once you’re pre-qualified, we offer a rate hold for up to 120 days. If rates drop during this period, we’re on it, ensuring you get the advantage. We continuously monitor the market and your specific file, ensuring your rate remains competitive until you pinpoint your dream home.
7. Your Journey, Our Commitment: From the moment you embark on this journey, to the moment you find your perfect home—be it weeks, months, or even years—we’re right beside you. Expect us to answer questions, provide updated calculations, and refresh your application as needed. Remember, good things come to those who wait, and there’s never any rush with us.

Tammy and her team aren’t just here for your business; we’re here to be a part of your home story.