Congratulations on taking the next step!

Before you begin to look for a house, the best thing to do to give yourself the most negotiating power is to talk with a lender, get pre-approved, and obtain a statement from the lender to accompany any offer. Preparing for a home loan will give you the strongest negotiating position. A pre-approval can make the difference in your getting the house over another buyer is only pre-qualified. A lot of the top real estate agents want you to be pre-approved before they will begin to show you homes.

Pre-qualification VS Pre-Approval -- What is the difference? For starters, you cannot get pre-approved over the phone or on a website. A pre-approval means you have completed a written loan application and provided verifying documents. It means that we have reviewed your credit and verified your income and assets, and found them to be satisfactory. You will meet with us or provide us information via fax, the US mail, and the telephone so we can go over this documentation. In addition, we will go over different loan programs that meet your needs. Often this is the part that will help you decide which type of loan program is best and will help reduce stress for you by allowing you time to think through the different types of mortgages while you are shopping for your home.

Click Here for a printable Uniform Loan Application (PDF Format)