Securing a Pre-Approval

How do you know if you can get a mortgage? The first step of the process before you even start looking around for a home is to get pre-approved, and we can answer that question for you. We can also provide you with a budget so you know exactly what you can afford to spend.

In order to determine these things, we look at your monthly expenses, get your credit rating, and go over all the costs associated with buying a home. You need to be prepared to cover some costs that can’t be funded under a loan – like your down payment and closing costs.

When you are pre-approved, you’re also provided with a fixed interest rate. This means it doesn’t fluctuate while you’re shopping for a house.  The only exception to this rule is if interest rates decline in the interim, then you can take advantage of that.

There is no risk in getting pre-approved even if you are only in the early planning stages for a future real estate purchase. It doesn’t cost you a thing to work with us; the lender pays our fee.

Owning your own home is an exciting proposition, but it’s important to understand what is involved before you know whether home ownership is for you.

Ultimately, it is a personal choice; however, it helps to look at the pros and cons of buying to
determine whether home ownership is right for you.

The first thing any prospective home buyer needs to do is find out whether they can afford to
buy the home they want.  Premiere Mortgage Agents can help with this important step.

Having a firm understanding of these potential costs is incredibly important and often overlooked.

Working with a direct lender like a bank might feel more “conventional”, but the reality is that an independent third party can offer impartial advice. Plus, brokers have access to a much wider array of products.

Buying your first home is exciting; nevertheless, if you are not familiar with the process, it can also be overwhelming. Our experts can walk you through your journey to owning your own home.

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Home owners don’t always recognize that there are a variety of mortgage options available. Real estate financing isn’t a “one size fits all” thing, and no one should have to settle for that. When buying your first home, refinancing, or moving you should explore all of the options. We can help you find a mortgage that fits your lifestyle and financial needs. Contact us to get pre-approved.