As your mortgage planner, my first priority is to educate you on the importance of being PRE-APPROVED in today’s housing market and having your "Mortgage-First" before starting to look for a home.  Listed below are three key points that summarize why a being  pre-approved  is your greatest asset at the negotiating table.  Please call or e-mail me to set up an appointment.

1   Peace of Mind

The best part of being pre-approved is simply the peace of mind and security of knowing your loan is in place.  This eliminates any worry or distraction and allows you to focus on finding the perfect property.  The beginning stages of buying a home is always the most stressful.  Therefore it is wise to give yourself a head start in making things as smooth as possible.

2   Negotiating Power

From the seller’s perspective an APPROVED borrower’s offer is considered equivalent to a cash offer.  You will have a significant advantage over other potential buyers.  Also, a pre-approval letter creates the opportunity to negotiate, which, in many cases, provides a savings up to 5% on the sales price of the home.  Again, this contributes even more to your peace of mind and security.

3   More Money Saving Power

The pre-approval process only takes about 45 minutes.  When you leave our office you will know exactly how much down payment you will need, and what purchase price you can afford.  Knowing your capabilities gives you a cut-and-dry edge at the negotiating table.  This power will inevitably save you thousands of dollars when the transaction is all said and done.