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Why Get Pre-approved?
Pre-approval goes a step further than prequalifying. Pre-approval means the lender has contacted the borrower's employer, bank and other places to verify all claims of earnings and assets. In return, the borrower receives a letter stating that he has mortgage approval for a certain amount. Since you already qualify for financing, pre-approval can speed up and improve your chances of reaching an agreement on the purchase price with the seller. The only cost for pre-approval may be the lender's cost of obtaining your credit report. With a pre-approval, you're going to have more leverage when you make an offer. You can say, 'I've got a loan approved already that's sufficient to purchase this home,' and that makes you more attractive to a potential seller.
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Our Mortgage Partners
Carey Ann Cyr at Prime Lending
Phone: 615-456-4456 Fax: 866-908-8059
Shawn Kaplan at Access National Mortgage
Phone: 615-426-3182 Fax: 615-383-9234
Tannia Bond at SWBC Mortgage Corporation
Phone: 615-390-3444 Fax:
Kimberley Ripmaster at Wells Fargo Home Mortgage
Phone: 615-429-8981 Fax: 855-630-8800
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