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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
Alan Fentriss at Honolulu HomeLoans
Phone: 808-927-3401 Fax: 808-675-5493
Crystal Acohido at Honolulu HomeLoans
Phone: 808-349-3145 Fax: 808-675-5499
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