Before you start looking for a home, we will help you to be in the best position to write an attractive offer to sellers!
Did you know that the seller and listing agent will NOT consider a purchase offer unless you have been pre-approved by a broker!
Most lenders will offer a “pre-qualification” process if you ask. The problem is, most of them “are not worth the paper they are written on” because 99% of the time, they are prepared simply after a verbal conversation with a potential borrower. There has been no verification of income and assets, little to no credit analysis and no determination as to whether the future loan file will meet underwriting approval guidelines. The agents and sellers know this as well and if they are evaluating different offers on a home, the buyer that has been fully pre-approved versus simply pre-qualified will win-out every single time… even against cash offers!
Home Ownership Mortgage, LLC will carefully walk you through the entire pre-approval process so that you can rest easy and all parties are assured that you are the ideal candidate from which to accept a purchase offer from. Our job is to get on your way to homeownership with as much certainty and with as little stress as possible!
You can proceed in a couple of ways: We like to recommend scheduling a “discovery call” where we explore your “hopes and dreams” and from there, determine what your best next step may be for you and your family when we can together architect the best home loan solution. Click Here to schedule a time that is most convenient for you to speak directly with a member of our team.
The second option is to simply complete our (APPLY NOW) borrower questionnaire securely from our website. One of our Art of Homeownership professionals will then review your questionnaire in advance of a discovery call and can then expedite the pre-approval process. You will also receive access to your very own secure portal that you will have access to throughout the loan process that provides real-time status clear through closing.
Do you need to determine how your credit looks?
If you have any concerns or questions about your credit, we can also start with a simple credit analysis and even recommend certain paths and solutions to improve your credit-qualifying. Depending upon your credit profile, we can help outline both short term and longer term solutions to help improve your credit scores and potentially obtain better rates and loan programs to help your family. Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the greatest factors in getting approved for a mortgage. A credit consultation and analysis is completely confidential as well. We just want to assist you in getting on the best path to homeownership no matter how long that journey may take.
Talk to your Home Ownership Mortgage professional TODAY!