What is the best route to take to pre-qualify for a loan?

Asked by Carla, 70526 Thu Feb 19, 2009

I don't have a particular house in mind, I need to see how much I am eligible to borrow, down payment amount, closing costs, etc. If I know this first then I know where I can look.
Would anyone suggest the internet, such as lending tree or any others or is a bank better?

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Daniel, , Baton Rouge, LA
Mon Nov 22, 2010
Just go to a bank,

much better than asking questions online
0 votes
, ,
Mon Nov 22, 2010
Hi Carla,

I'd be happy to help you with getting pre-qualified for a home mortgage. We (Wintrust Mortgage) can lend nationally because we a Federal Charter.

Please feel free to email, call or go here to learn more about the approval process: http://www.luettmortgagegroup.com/start/.

Kind regards,

0 votes
Caroline Choi, Agent, Los Angeles, CA
Tue Sep 21, 2010
Hi Carla, I agree that a local lender is best. I have had a previous client who has used online lenders with not great results, so I would recommend going with someone local who you can get on the phone, and even meet with if you need to.

It sounds like you're on the right track here -- once you find that person, find out all your numbers and then work with a realtor who can help you find a home within your price point and other search criteria.

I know foreclosures and short sales generally like to see direct lenders involved on a deal, so that might be of help to you when getting your offer accepted as well. Best of luck!

Caroline Choi
Caroline Sells The City LA
Borker Associate/Realtor
0 votes
Mike Mayer, i…, , Lafayette, LA
Tue Sep 21, 2010
Carla, I would strongly encourage you to seek a local source for your mortgage. My experience has shown that a local lender is more readily available for help and entertaining questions. Their rates and service fees are comparable, if not less, than the online sources.
Web Reference:  http://www.iListForLess.com
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