Getting preapproved for a mortgage can make the difference between a seller accepting your offer or going with another buyer. Once you get preapproved for a home loan, the seller knows you’re a better prospect than someone who hasn’t begun negotiating with a lender. Preapproval is also helpful when you’re hunting for a house.
The primary reason to get pre-approved for a mortgage before shopping for homes is to ensure you’re looking at homes that are within the price range that you can afford. Even though a buyer will get pre-approved for a mortgage before shopping for homes doesn’t mean there is a guarantee they will successfully obtain the financing.
Get RateShield Approval after speaking with a Home Loan Expert and lock your interest rate for up to 90 days. If rates go up, your rate stays the same. If rates go down, your rate may drop. Either way, you win! 1; Ready to get approved so you can go house hunting? Start online or call a Home Loan Expert at (800) 251-9080.
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A mortgage pre-qualification can be useful as an estimate of how much someone can afford to spend on a home, but a pre-approval is much more valuable.
So when buying a house, abundans cautela non nocet! As a preventive measure, know the difference between getting pre-approved for a mortgage and getting pre-qualified. These two might appear synonymous to you, but for a lender or banker, each involves a different level.
The best thing you can do to ensure a smooth mortgage application process is to prepare yourself before you even get pre-approved. Here's how.
Pre-approval: This process is much more involved and is the key step in getting a mortgage. You’ll complete a mortgage application (and usually pay an application fee), and you’ll give the lender.
Ready to start looking for a new home? Learn why you should consider getting a mortgage preapproval first and how you can get one.
What Happens Before Closing On A House
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Find a local lender in minutes who can help you get pre-approved for a mortgage . Mortgage pre-approval can show you're a serious and credible buyer.