Mortgage Pre-Approval!
Whether its for a purchase or refinance you’ve found the right spot to get started for a mortgage pre-approval. If you’re shopping for a home we can get you a pre-approval letter right away. If its a refinance, then we can quote you a rate right away.
Click on the video below for a quick message from Keith Meredith, (your mortgage originator) before you get started on your mortgage pre-approval.
A Message From Keith
“I’m glad you’re here! Once you create an account I’ll get an email notification as soon as your application is complete. Ill then review it, and with your permission check your credit and call you to discuss any pertinent details. There will also be an option to upload docs if you would like to. If I can approve you then I’ll give you access to a pre-approval letter within 24 hours that you can provide it to your real estate agent or seller. If you run into any trouble please feel free to email, call, or text me at 352-615-1613. I would also be glad to introduce myself to your real estate agent and go over your pre-approval with them. Their confidence in me is just as important as your confidence in me. If you don’t have an agent I can connect you with one of my preferred real estate agent partners. I look forward to working with you and will be in contact soon!
I’m here to help you achieve your goals. Thank you!“
Important Facts About Your Mortgage Pre-Approval!
- Typically a credit inquiry has a 1-3 point effect, but if you have already had your credit pulled there is a 45 day
window in which you can have more inquiries without penalty. In totality credit inquires over the past year make up 10% of your score. -
99% of Realtors want a pre-approval letter in order to show you a property.
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I will be glad to speak to your Realtor to explain your specific needs and to introduce myself.
- I can send a letter directly to your Realtor with the specific offer details.
- I can talk about rate before your loan application but a loan application is needed for a firm quote.
- If we have not spoken about which loan program is best for you I will review your app and discuss this over the phone.
- Typically your pre-approval letter is good for 90 days but it can be longer if your scenario does not change.
- Always call, text, or email me before submitting an offer so I can go over the details with you.
- Shop with confidence knowing that you have been pre-approved and enjoy the process!
Frequently Asked Questions About Your Mortgage Pre-Approval
- What happens if I put incorrect data on my loan application? Don’t worry, we can update any information we need to in order to make sure your application is correct.
- Is it going to be a hard credit check? We do pull a full tri-merge credit report so we can run the automated underwriting system but if you request a soft credit check we can do that.
- How long is my pre-approval good for? The standard answer is 90 days, because that’s how long a credit report is good for, but if nothing changes on your credit it can good for longer.
- What is the difference between a pre-approval and a pre-qualification? With a pre-approval we do a full tri-merge credit check and run the automated underwriting system. With a pre-qualification we just take a look at credit and the income and make a determination.
- How long does it take to get a mortgage pre-approval? On a weekday for an employed person, 24 hours or less. For someone self employed we need to review tax returns or bank statements for income.
What Are My Next Steps For a Mortgage Pre-Approval?
If you’re ready to take the next steps towards home ownership, or to reduce your payment or get cash out, you’re in the right place. Feel free to call us but getting a full application is the best way for us to determine what we can do for you. Our online loan application is 100% secure. We are always just a phone call away if you have qeustions.