Why Get Pre-Approved for a Mortgage?


1. Pre-approval acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a pre-approval is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. Sellers will not accept an offer without a pre-approval letter (or proof of funds if you are paying cash) so this is an important first step. Call or text me at (727) 278-9090 and I'll work with you and one of my preferred lenders to help you get pre-approved. 

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