FLORIDA

SINCE 1995

‍‍‍DIRE‍‍‍CT LENDING

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PRE-APPROVAL

THE FIRST STEP BEFORE HOME-SHOPPING.

APPLY.

Complete your loan application via:

PROVIDE DOCUMENTATION.

Provide supporting checklist documentation.

RECEIVE CREDIT DECISION.

We will render a decision in as little as 24 hours.  We 'll contact you for additional details if necessary.

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Home loan pre-approval, done right.

Experienced home-buyers and real estate agents know the value of lining up your financing before investing time shopping for homes. These days, you have a 1 in 3 chance of having an error on your credit report. On top of that, the mortgage industry has become more complex.  The best way to have a great home-buying experience is to have your financial profile given a thorough review by an experienced professional.  This goes beyond just a simple credit pull and should be performed only by a well-qualified experienced mortgage loan originator, not just by a bank or credit union clerk.

Hate surprises?  Us too.

Getting pre-approved early allows us to weed out any "surprise" credit report errors and other obstacles that you may not be aware of, and gives us ample opportunity to correct them so you have the smoothest possible experience once you've found that special home. The earlier you do it, the better.

Here's what you'll receive.

Do credit pulls lower your credit scores?  

Providing a comprehensive pre-approval requires a full tri-merge credit report, but some consumers are concerned about their credit scores dropping because of the credit pull.  This is one of the biggest misconceptions in the industry, and it's a primary reason why so many consumers are reluctant to get pre-approved early.  To set the record straight, getting approved for the purpose of obtaining a mortgage does not affect credit scores after the initial pull for six months.   This can be confirmed directly with the credit bureaus: using the links below.

That said, consumer credit scores are in a constant state of flux from month to month, depending on your financial activities, including payment timeliness, how much you leverage your credit cards and several other factors.  Your credit report with us is good for up to 120 days, and your pre-approval with us is also good for 120 days.  When you get pre-approved early with us, we provide you with a personalized analysis of actions that you can take to help you improve your own credit profile.

We go the extra mile so you have the best possible experience.  Trust in our expertise and get started today using our simplified pre-approval process.

At no cost or obligation, we will provide a thorough assessment of your entire financial profile including:

  • Income analysis  |   Asset analysis
  • Credit history and public records analysis
  • Automated Underwriting Analysis (AUS)
  • Personalized Credit Score Improvement Analysis - To help position your application for the best possible outcome, we provide a personalized analysis to improving your credit profile.  This can help us to provide you with the best possible interest rate and pricing for your new home loan.
  • PRE-APPROVAL LETTER - to include with your real estate purchase offer    

Here's what you'll receive.

EXCLUSIVE BONUS

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Buy your next home with confidence.

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