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No
matter what your credit situation is, our exclusive
direct lending partner will match you with the best
low rate mortgage loan they have available for your
situation so go ahead and ACT NOW!
Take
advantage of the changing housing market. Finally, buyers
are in control. Home prices are lower now than they
have been in the past few years and it is a great time
to buy. Just give us a little info and we will direct
connect you to get your low rate mortgage
loan prequalification quote right now!
Many
people have emailed us to ask what they should do first
if they are interested in buying a new home. Below are
answers to a few of the most frequently asked questions.
Should
I search for a mortgage first or have the house I want
picked out first?
Technically, it does not matter if you get pre-approved
for mortgage first or you have the house picked out
first. However, it is always wise to get pre-approved
for a mortgage before you go house-hunting. This is
for a few reasons:
1) When you are pre-approved, you already know what
your budget and monthly mortgage loan payments will
be before you go shopping.
2) Pre-approval will prevent you from overspending or
placing an offer that is higher than what the bank thinks
you can afford.
3) Having a pre-approval in hand gives you negotiating
power because it allows you to put a firm offer on a
house with a quick closing date.
If
I have bad credit, will I be able to find a low rate
mortgage loan?
Truthfully, it depends on how "bad" your credit
is. A lot of people think they will not be able to qualify
for a mortgage loan, but when then actually apply they
are pleasantly surprised they they are approved. The
interest rate you will be offered will depend on your
credit score, but the lender will get you the lowest
rate you qualify for based on your situation. The only
way to know how low your rate will be is to seek pre-approval.
What
is the current mortgage loan rate?
Mortgage loan rates fluctuate daily. These fluctuations
are based on the current state of both the stock market
and the housing market. The only way to know what the
most current mortgage loan rate you are eligible for
is, is to apply for pre-approval. You will be offered
the low rates that are available based on your unique
situation.
Is
there a fee associated with getting a pre-approval?
No. Our lending partners do not charge you a pre-approval
fee.
How
long does requesting a mortgage pre-approval take?
Getting pre-approved is a quick and easy process. You
can get started online in just a few minutes. Just answer
a few questions and the lender takes care of the rest.
Does
pre-approval mean my mortgage loan is guaranteed?
Mortgage loan pre-approvals have expiration dates and
may require you to provide additional information (such
as bank statements, income tax forms, and/or pay stubs)
before your mortgage loan can be guaranteed. But if
you answer all the questions on the pre-approval form
honestly and completely, you should have no problem
turning your pre-approval into a guaranteed mortgage
loan. Click
here to start the pre-approval process now. |
