Obtain the Best Loan Rates & Lowest Closing Costs

The maxim "it's always best to negotiate from a position" also applies to real estate transactions. In a brisk real estate market -- one in which one often sees multiple offers on a competitively priced home -- sellers have the luxury to be pickier about which buyer they are willing to work with. With this in mind, there are several smart steps you can take  to greatly increase the odds that your offer is the one accepted by a Seller.

Most Homebuyers go about the process of approaching Sellers and making offers entirely wrong; through improper planning they place themselves at  a considerable disadvantage.

If you were a Seller and had multiple offers on your home which one would you be inclined to accept? An offer that came with a "loan pre-approval" letter, or an offer contingent upon the buyer obtaining financing? The answer is obvious.

Most buyers start to think about how they are going to finance their new home oftentimes long after they have begun the home search in earnest. What we've found is that Buyers who skip the prequalification step are often not really concerned about getting approved for a loan. And in most cases those folks are right because, ultimately, they will be approved. The problem is the Seller has no guarantees. Additionally, the Seller might be operating under strict time constraints; they might be in a position where they have to sell fast in order to move, or to meet a deadline.

There's also another way to look at this: From a cost savings perspective....

As a prospective Buyer it makes sense to start exploring your financing options early on. What we suggest is that you don't spend days, weeks or even months finding your dream home, and then running around trying to obtain a loan at the last minute to make the deal go through.

By starting the loan process early, you'll know well in advance all the details regarding what your interest rate will be, if there are any "points" to be paid, and what you're closing costs will be. And best of all you'll be perfectly positioned to make an optimized offer to a Seller.

If you would like to take advantage of Pre-Approval, start by filling out the form below. We will submit your application to our in-house mortgage brokerage with access to more than 40 lenders and hundreds of loan programs.

We can help you locate the absolute best mortgage rate, the lowest closing costs possible and process your application with no cost or obligation.

Get Pre Approved in 24 Hours or Less

Submit your SSL secure (encrypted) and confidential loan application through us, and we'll have your Pre Approval request processed within 24 hours. It's quick, easy and simple.

Be sure to ask in the "Comments" box how you can recieve your choice of a Free Appraisal or Home Warranty on your next home. (Maximum $350 value.)