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MORTGAGE PRE APPROVAL
Richard Tocado and his local loan officer can help you with your home mortgage pre-approval today! Why get pre-approved? Here are a couple of things to consider:
Know Your Budget
One of the big advantages of getting pre approved is that you are going to know how much home you can realistically afford – it may be more than you think! This way, you will know how much your mortgage payment is going to be ahead of time. Many people spend time looking at properties that they could never get approved for. If you get pre approved, you are not going to have to worry about this problem.
Increase Negotiating Power
Another advantage to getting pre approved for a mortgage is it will increase your negotiating power. When you start looking at properties after being pre approved, real estate agents and sellers are going to feel more confident going to work with your best interests in mind. If you make an offer on a property, it is automatically going to jump ahead of offers from people not pre approved. When buyers are not pre approved, this represents a level of uncertainty for the seller. A seller will be inclined to take your offer even if other offers are slightly higher in price. A seller knows that your offer is essentially a sure thing. If they choose a buyer that is not pre approved, that buyer may not be able to qualify for a loan in the amount that is needed. At that point, the sale could fall through, and the seller would have to start over. So you can see, the odds of getting the house that you want are going to improve with a mortgage pre approval.
Mortgage Pre Approval
Interested in getting pre approved for a mortgage before shopping for your next home? Richard Tocado can help coordinate that for you.
• Pre Approval in Minutes
• Conventional Loans
• USDA Loans – 100% Financing
• FHA Loans
• VA Loans
• One stop shopping, no red tape experience!