Get a Mortgage Pre-Approval

One of the most important steps in your home search is understanding exactly how much you can afford. The last thing you want is to fall in love with a home—only to discover it’s outside your budget.

That’s why getting a mortgage pre-approval should be your first move.

A pre-approval is a document from a lender stating how much they’re willing to lend you. It gives you two major advantages:

• Confidence in your budget – You’ll know exactly what price range to focus on, so you’re only viewing homes you can realistically afford.
• A stronger offer – Sellers take pre-approved buyers seriously, giving you a competitive edge in a hot market.

How Much Home Can You Afford?

Lenders determine your mortgage amount based on several key factors:

• Your income
• Current debts and expenses
• Credit history
• Employment status
• Down payment amount

The process is simpler than most people expect—and in many cases, you can get pre-approved in as little as a day.

Once you know your numbers, your home search becomes much more focused. For example, if you’re approved for a $250,000 mortgage and have $100,000 saved for a down payment, you can confidently shop in the $350,000 range.

Need Help Getting Started?

I work closely with trusted lenders and mortgage brokers and can connect you with professionals who will guide you through the process quickly and smoothly.

Have questions about financing or ready to get pre-approved?
Reach out today—I’m happy to help you take the next step.