It makes sense to secure a loan before going through all the trouble of practically closing on a home and assuming it is yours when perhaps you will not be approved for the loan.

How can this be done? With a Pre-Approved Mortgage Loan.

Being pre-approved gives you the power to know your financial limitations and removes the stress of finding the perfect home only to worry as to whether you'll qualify for the mortgage. A pre-approved buyer has almost as much power (studies show 97%) as cash buyers!

A Pre-Approval Certificate gives the seller a GUARANTEE that you will get the loan, and therefore your offer is responded to immediately.

By obtaining the Pre-Approval Certificate two obstacles to owning your dream home are eliminated:

Obstacle 1: Your purchase offer will be accepted by the Seller.

Obstacle 2: Your loan application is already approved by a lender.

You will be able to make an offer and know that you have an excellent chance of moving into your dream home in as little as 30 days or even less!

How does someone become pre-approved for a home before they even make an offer to buy? And how can a Pre-Approval Certificate give you such credibility to the seller?

Here is what a Pre-Approval Certificate can do for you:

• It gives you WRITTEN APPROVAL from a lender for SPECIFIC LOAN AMOUNT so that you know exactly what homes to look for, and in what price range you can purchase.
• It gives you PEACE OF MIND knowing that getting the loan you need will NOT be an obstacle to owning your dream home.
• It gives your offer MAXIMUM CREDIBILITY and shows sellers that your offer is a serious one since you have gone to the effort of being pre-approved. A pre-approved mortgage offer receives more attention if multiple offers come in for the same home!

How to get your own Pre-Approval Certificate
There are three simple steps to getting the power of a Pre-Approval Certificate.

1. Find a company who offers this unique Pre-Approval Process.
2. Fill out the forms and required paperwork with a Loan Officer with that company.
3. A Pre-Approval Certificate will usually be issued with the approval of your loan within a few days!

This simple process has eliminated the need for specific information on a property, the need for a paid, up-front appraisal and the nervous wait for weeks to find out if you qualify for the house you want!