Pre-Approval

Why use Mortgage Guys?

 

  • You can go to every bank one at a time or you can go to them all at once Mortgage Guys – one and done
  • Apply online in minutes from the comfort of your home
  • Rates as low as you go !
  • Get unbiased expert advice with hundreds of options no single bank can provide
  • Secure a rate hold for up to 120 days
  • Fast we mean really fast service
  • Save a ton of time and money with our pre-negotiated rates and terms

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Pre-Approval Tips

 

Our pre-approval process is completed free of charge with no obligation to you. We simply want to provide you with the information you need to be able to make an informed decision when purchasing a new home. Your personal information is processed on secure servers so you never have to worry about privacy concerns. We can guarantee that you will have the lowest interest rate for 120 days with certain lenders, helping to lower your monthly payments. Our process is quick and easy, taking only a few minutes to complete the short form. The information you provide will determine your pre-approval along with supporting documentation provided by you. Be honest and upfront with all information provided and our brokers will work with you to see you approved with the best terms and rates. Our broker’s job is to shop mortgage lenders on your behalf, finding you the best deal possible. We represent you first and work hard to find the best options for your mortgage needs.

 

1

Start The Process

Getting pre-approved for a mortgage allows us to lock in your rate so it can’t go up on you. It also strengthens your offer making it more appealing, especially in today's competitive market

2

Documents Needed

Being prepared with all your documents on hand – including a paystub, employment letter, down payment, finances, and property details – will allow for a smooth and fast approval

3

Save Yourself Time

Stepping back from home search to get pre-approval first, saves you time and puts your home searches in line with what you can afford.

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You can go to every bank one at a time or you can go to them all at once with one application why not be one and done– something no bank can do ! With exceptional service, expert advice we will save you thousands.

 

Our Mortgage Process Simplified.

At MortgageGuys.com we want to provide you with a stress-free mortgage experience.

  • Pre Approval Consultation: Well discuss what your situation and needs are and provide the options with any pros and cons to each. From here you'll fill out an application online or in-person and upload the necessary documentation. Then you'll receive a pre-approval and budget so you can begin your search.
  • Make An Offer On Your Home and Gather The Necessary Information: We’ll review and gather employment letters, pay stubs, and all necessary documents to make sure there are no surprises at the end.
  • Select a Lender: Together we’ll review lender options and the type of loan that best suits you.
  • Mortgage Loan Submission Mortgage Load Approval: We are notified of the approval and we then ensure with you any outstanding conditions are met prior to funding.
  • Prepare Mortgage Documents: Your mortgage documents are completed and you can sign them from the comfort of your home or come in to sign.
  • Mortgage Funding: Your mortgage funds are then transferred by wire to your lawyer on your closing date.
  • Move in and love your new home – CONGRATULATIONS!

 

 

Why is Pre-Approval So Important?

If this is your first time shopping for a new home, you may be wondering why pre-approval is so important. There are two reasons why pre-approval is the most important first step in the process. To begin, the process will help you learn what size mortgage you can afford. There is nothing worse than seeing a potential home buyer looking at their dream home only to find out they cannot afford the price of the home. By being pre-approved, consumers can search for homes in their price range. Finding the right home that is easily affordable. With pre-approval, consumers also will see a hold placed on the mortgage rate for as many as 120 days. This helps to lock in low-interest rates. Without this pre-approval, you may have had the opportunity to secure a mortgage with a 2% interest rate only to find out the rate has gone up to 3% as your search for a home continued. By securing the rate, you have the protection in place to have a lower interest rate on your mortgage which will help you lower your monthly payment.

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