We strongly recommend that you do your “Homework” in this section.

This step may take a little time.…but it can reward you at contract time. Think about it….In today’s market in this area your offer may be competing for that dream home. We want YOU to have the edge and a written offer that includes a Pre-Approval document can give your offer that edge!

To Keep it Simple, here's a link to two lenders – one local lender and one national lender. We’ve done business with both and encourage you to take advantage of their top-of-the-line services, or feel free to contact a lender of your choice.

Reminders
• Determine your budget and how much you can afford.
• Get pre-approved for a mortgage.
• When applying, you’ll most likely need to furnish:
\\\• Two most recent pay stubs.
\\\• W-2 forms for the past two years.
\\\• Federal tax returns for the past two years.
\\\• Last two months bank statements.
\\\• Long-term debt information such as credit cards, auto loans etc.

Pre-Approved vs. Pre-Qualified
• Pre-Approved: A written confirmation the lender will give you a commitment to support your purchase.
• Pre-Qualified: A written or verbal estimate of what you can afford.

Fixed vs. Adjustable Rate Mortgage
• Fixed Rate Mortgage: the interest rate stays the same for the entire term of the loan.
• Adjustable Rate Mortgage: the interest rate is linked to a financial index and may fluctuate.

If you have further questions or need assistance just pick up the phone - 800.305.8229 or click here to send us an e-mail. We're ready to guide you along the way. Don’t forget the Resource Center for more in-depth information