Buying a home has never been this simple…
From searching for the perfect property to negotiating the best deal, we will be with you every step of the way.
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Transaction Management
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FAQs
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Getting pre-approved for a mortgage before talking to a real estate agent is recommended for home buyers. This helps increase chances of getting the home you want, and agents often require it before showing homes. It also helps buyers understand how much they can afford and identify any potential issues with credit. In a competitive market, having a pre-approval letter with your offer can make it more likely to be considered.
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A credit score of at least 620 is typically required to purchase a home. However, the specific credit score required can vary depending on the type of loan and the lender. Some lenders may require a higher credit score or may have more lenient requirements for certain types of loans. It's always best to check with multiple lenders to see what their requirements are. Additionally, having a higher credit score can often qualify you for better interest rates and loan terms.
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To get pre-approved, buyers should have their paperwork organized, including documentation of income, debt, credit history and assets. It's a good idea to shop around for the best home loan once pre-approved.
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Mortgage Preapproval letter or proof of funds.
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