To learn more about the special money saving programs we have specifically for home purchases please read about how you can save more with us.

No matter if you are looking to purchase a home or refinance the first step is to speak with a licensed loan originator and get pre-qualified.  Most pre-qualifications can be done over the phone and we can usually give you a loan quote in a matter of minutes. Each loan scenario is unique and rates and fees may vary based on exact credit score, loan amount, property type and equity involved.   The pricing and rates for a rate/term refinance will be different than a cash-out refinance or a purchase and a $100,000 loan is not typically going to be the same fees as those for a $350,000 loan.  We recommend you contact us for a direct quote that is specifically created to your exact scenario.   

Prequalification is a simple process requiring basic information regarding your debt, income and assets.  We will also pull a current credit report to determine what your FICO scores are from the three credit bureaus.  From this information, we can get an idea of the mortgage programs, rates and amounts for which you qualify for.

The initial pre-qualification allows you to discuss with us your goals or needs you may have regarding your mortgage. We can then explain your mortgage options and recommend the type of financing that might be best suited to your particular requirements.

If you are looking to purchase a home it is essential to get prequalified for your mortgage before you start looking for a home.  Being prequalified will help you narrow the range of homes in which you are interested.  It’s important to know what you can afford and potentially be approved for. It can also help you act fast if a home you like has a lot of interest from other buyers.  Your offer will be taken more seriously than an offer from someone who has not spoken with a lender.  

As your mortgage advisor we will review your pre-qualification information with you and determine if you are ready to start looking at houses immediately or if we recommend that we pursue a full loan approval for you from a lender first.  Our goal is to make sure you get the best loan available to you and we will work to that goal from start to finish.