"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
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:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
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.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
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Diana listened to our dreams and went above and beyond to help us achieve them. She perfectly navigated the market during the holidays and got us top dollar on our house while fighting hard to set us up for success in our new house. Diana is a one-of-a-kind realtor and makes you feel like family with her genuine interest in your goals. I will trust her with all of my future real-estate ventures and I highly recommend her to family and friends.
The compassion and expertise Diana showed when selling my house was above and beyond! I highly recommended Diana and nuWest Realty Group!
Thank you Diana & Manny for all of your help, we were truly blessed to have a team like y’all helping us out every step of the way. We cannot thank you enough!
Diana and Manny are amazing!! My wife and I were first time home owners with a lot of questions and concerns, but Diana and Manny guided us with patience, diligence, and so much personal care. They went above and beyond to make this experience possible, even when we thought we wouldn't be able to make it happen. They traveled from far to see places with us, gave us honest opinions about houses, worked with our budget, and gave us many general useful tips. They were also very helpful with all the paperwork, and went through every single detail in the contracts, plus answered all our questions!! Even after the purchase, they continued to help us with home and mortgage questions.Give them a call for a wonderful and easy process towards your home purchase!!!
What an absolute great experience! To deal with a family that’s over a 1000 miles and to seemingly act as if we were next door. The communication level, listening aspect, and understanding of our current needs were amazing. Thank you so much!