It depends on where you go to get qualified. Some people will take your information over the phone, Others will want you to come in for face to face meeting. (I work with local lenders who will do both)
You can go anywhere to get pre-qualified, that does not lock you into getting your loan through that company, when the time comes to actually get a loan, you can still shop around for the best terms.
It just tells you what you can buy, so you don't go out and fall in love with a house that you wont be able to get a loan for.
I would be happy to talk to you about it, you can text or email me for local information,
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