Are you pre-qualified or pre-approved for your loan?

The Mortgage Pre-Approval

Before you begin to shop for your new home, you should take the time to meet with me so I can provide you with a fully documented and lendable mortgage pre-approval.

The pre-approval process will provide you with how much you can afford, down payment requirements, closing costs and a consultive approach to guiding you in the right direction.

The pre-approval process will require the completion of a mortgage application along with all applicable loan documents. I will review your credit and provide you with a lendable pre-approval letter that your real estate professional will appreciate along with giving your sellers great comfort and piece of mind.

The Mortgage Pre-Qualification

I am always happy to pre-qualify you based on the verbal information provided by you. I can give you a tentative idea as to how much you will qualify and will review different loan options that might fit your needs. Unfortunately, I am not able to provide you with a mortgage commitment based on a pre-qualification and highly recommend that we head toward the full pre-approval process.

Please keep in mind that we can not lock your rate or program until you secure a fully signed agreement to purchase and we have updated your loan pre-approval information.

I am happy to consult with you on any questions or concerns you may have?

Daniel B. Smith

Vice-President & Mortgage Advisor

www.danthemortgageman.com

313-801-7800