The Financing Process
With things changing on an ongoing basis it’s always safe to say having a lender pre-approval in hand is always good. But if you don’t it’s okay we are here to help! Pre-approvals don’t take long. It involves pulling your 3-bureau credit report that shows your credit history and credit score.
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During the pre-approval process, the best thing to do is gather up the documents needed for your pre-approval. Preparing in advance, will reduce frustration when you find your dream home and make an offer. At this stage, you’ll be able to hand over all your documents to your loan officer at once. Being prepared is a solid move!
Lender pre-approvals signal the seller that you’re a serious buyer. Being prepared is very useful when making an offer on a home. If you plan negotiating the deal, lender pre-approval gives your offer a extra gravity. Being ready to go also helps in a hot market where sellers entertain simultaneous offers, which is not uncommon. Sellers tend to focus on the path of least resistance: the buyer who is lender pre-approved.
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The lending process can seem a bit overwhelming. Don’t worry, that’s what we are here for. We will walk you through everything from pre-approval, closing, final walk-through and the closing meeting. We know how important this decision for you and we are here to help you make the best possible decisions for you and your family!