I would suggest hiring a local realtor to help you.
Susie Kay, Realtor®
GRI, CHMS, SFR
United Real Estate
III Lincoln Centre, 5430 LBJ Freeway #280
Dallas, TX 78240
Servicing your real estate need is my priority!
Joe Jarusinsky, REALTOR®, Keller Williams Realty, Austin's #1 Real Estate Company, Call 512-261-4415
Pre-qualification means that you have spoken to a mortgage lender, and have provided a summation of your financial situation, including salary, assets, and debts. The lender has reviewed the numbers and “pre-qualified” you for a loan based on the information you have provided. This pre-qualification is not a guarantee of funding, and you may or may not be able to secure funding once you submit your actual mortgage application. If you only talk to a lender over the phone, and do not submit any actual documents, you’ll likely be pre-qualified.
Pre-approval means that you have processed an application with your lender, and provided them with documents for verification of income, assets, and liabilities (or debts). Pre-approved loans are ready to go, and are usually only pending the approval of the home you wish to purchase. Many sellers of existing homes insist that a buyer be pre-approved before accepting their offer, because with pre-approved buyers there is no waiting period, and they know that the buyer will be able to come through with the funds for purchase. In contrast, builders selling new homes are happy to work with buyers without forcing them to go through this pre-approval process. If you are already working with a lender, don’t be shy to give me call so I can price the same mortgage for you with less cost. What do you have to loose but your money?
My job is to ensure that you make the right choice for you and your family and I make it a lifelong goal as I am committed to providing my customers with mortgage services that exceed their expectations. You may contact me by phone, fax or email for personalized service and receive expert advice from a Bank Mortgage Banker who is responsible for the decisions on all mortgages coupled with over 17 years of experience in the industry. I look forward to hearing from you! And making your dreams a REALITY.
5700 Granite Parkway, Suite 200 Plano, 75024
Office: 469-347-3572| Fax: 484-685-7757
Texas Lending By Texan For Texan