Meet with trusted Mortgage Lender to secure home pre-approval
Without a pre-approval letter, it is useless to look at homes. It may sound harsh, but I just want to be real. If we go looking at homes on Friday evening, you fall in love with a home, write an offer and send it in…. you may be in trouble. Most mortgage lenders will not run to the office at 9pm on Friday to write a pre-approval letter for someone they haven’t met with. If the home you want is in a multiple offer situation (meaning more than one buyer is has made offers and wants to purchase), you are not going to get far. Any listing agent won’t give your offer much weight with their sellers if you are not pre-approved. Even if you know you can afford it, and will have no problem getting a mortgage, go get pre-approved before looking at homes. It is essential to you being able to have a good positive home buying experience. When you are behind the proverbial 8 ball and trying to catch up with the process, it will become more stressful. A good mortgage lender will discuss your financial picture and help determine what programs or loan will be best for your individual situation.
