Like a trusted friend, you can come to us with any question and we’ll work hard to get you the answers you need. We keep the positive energy up, which leads to good feelings, keeping us approachable. Ask us those questions. We genuinely care.
We’ll guide you every step of the way and educate you in a very thorough process. We hope to make the process positive and stress-free so that you make all the right choices for one of the biggest investments of your life.
We stand by our word and fully understand that for you to fully benefit from our services, you have to trust us. We will listen to you and make sure your needs are met.
Team Lisa is number one in sales. That offers you a multitude of advantages when buying a home because we have industry clout. We speak from experience and authority.
To get pre-qualified for a loan, we will collect information about your debt, income, and assets. We’ll look at your credit profile and assess goals for a down payment and get an idea of different loan programs that would work for you. We will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.
It is important to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend. Getting pre-approved for a loan gives you competitive advantage when the time comes to bid on a home because you have been approved for a loan for a specified amount.
To get pre-approved, you will complete a mortgage application and provide us with various information verifying your employment, assets and financial status such as W-2 forms, bank records and credit card statements. We’ll review your mortgage options and submit your application to the lender that best meets your needs. Once the application process is complete you will receive a pre-approval letter indicating the amount your lender is willing to lend you for your home.
A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home you wish to purchase and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise or a specified expiration date passes, your lender must review your situation and recalculate your mortgage amount accordingly.
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