The process of buying a home starts with determining your buying power: that is, your cash available plus your borrowing capacity.

This is a vital step in the buying process – often, the difference between having your offer accepted or rejected. It is our policy for each Buyer to get “Pre-Approved” by our lending team prior to looking at homes. Once pre-approved, we can provide a written letter which will be included with any purchase offer you wish to submit on a home. We will assist you in this process.

As a first step, we will ask you a series of questions such as: credit rating, your available cash reserves, income, current debt, cash to be freed up on the sale of your existing home, or down payment availability.

In this way, we can provide you with a good estimate of your purchasing power and recommend what type of loan will best serve your needs.  I.E.  FHA, VA, Jumbo, Conventional, or a first time home buyer program.

Complete Sections III, IV, V, VI of the Loan Application.

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