Get Pre-Approved for a Loan in 4 Simple Steps
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don't overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
You don't need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes
A mortgage pre-approval is the questionnaire that's the first step in buying a home. It tells a buyer which mortgages they can use and how much house they can buy.Buyers Workshop
Katie is extremely knowledgeable in the local market and does very thorough research for the home being sold. She also listens to her clients and works to bring them to see homes they have given details for. She especially goes above and beyond on getting buyers in the new home expeditiously.
Katie always has the most recent information on local real estate, the trends, cost per square foot, what is selling etc. She is great at staging the homes she has listed. She is also friendly and professional in dealing with clients, even the "just lookers"!
We have used Katie on two different occasions. She was so good the first time around that we asked her to help us with our second home. If we ever wanted to move there is no question we would call upon her again.
We worked with Katie in 2015-2016 when we were buying our new home. We were new to the area, but she made us feel comfortable, like we were old friends. She is hard working, professional and very accessible most all the time. I know we must have called her over and over and over just to pick her brain or to find some comfort in our journey. She was also very patient in working with us when we hit a few "bumps in the road." I would recommend anyone in our area to use her when buying or selling a home! She will get the job done and done right and she'll help you feel confident while doing so. We will definitely use her again, the next time we buy a home!
Katie was a pleasure to work with and helped my family buy our home and also sell it quickly (within a week) when I needed to move for a job opportunity. She is very knowledgeable about the NWA real estate market and I highly recommend her.