Why Get Pre-Qualified?
1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.
2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.
At Premier Lending all of our underwriting and closing is done in-house, allowing us the greatest measure of control and communication throughout the process, from pre-qualifying to closing. We also have access to the most competitive rates and program offerings on conventional, Jumbo, FHA, and VA mortgages.
Jessica isn’t your typical Loan Officer. She has over 8 years of experience as a Loan Processor which gives her a unique understanding of the many complexities that are involved throughout the home loan process in today’s market. In her years of experience, Jessica has learned that no two loans are ever the same. She demonstrates this with a very thorough examination of each and every client’s unique situation to ensure the process is smooth and enjoyable. Jessica also takes the time with her clients to explain the entire process as obtaining a home loan has dramatically changed over the past few years.