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Why Get Pre-approved?
Pre-approval goes a step further than prequalifying. Pre-approval means the lender has contacted the borrower's employer, bank and other places to verify all claims of earnings and assets. In return, the borrower receives a letter stating that he has mortgage approval for a certain amount. Since you already qualify for financing, pre-approval can speed up and improve your chances of reaching an agreement on the purchase price with the seller. The only cost for pre-approval may be the lender's cost of obtaining your credit report. With a pre-approval, you're going to have more leverage when you make an offer. You can say, 'I've got a loan approved already that's sufficient to purchase this home,' and that makes you more attractive to a potential seller.
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Our Mortgage Partners
Ann Blasko at Centennial Lending Group, LLC
Phone: (610) 291-6415 Fax: (215) 359-1525
Rob Schuck at Northpoint Lending
Phone: 215-872-9753 Fax: 484-713-5000
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Tim came to the real estate industry with more than 20 years of customer service as a Vice President with Goldman Sachs & Company, where he serviced the needs of stock and options traders on three different stock exchanges. Tim's career change has allowed him to service the needs of home buyers and sellers with the goal of providing the same excellent customer service that his past clients at the stock exchanges came to expect of him. After all, when you hire a real estate agent, you want them to take care of all the details, so you don't have to. 
