Step 1:  Get the mortgage process started!​

Believe it or not, the mortgage process should be your starting point when buying or refinancing a home.

The loan approval process generally begins with an initial interview where you and your Loan Consultant will discuss your income and long term debts. This step is called pre-qualification and it can help you shop for affordable properties in the correct price range.

A pre-approval letter will be required for you to make an offer on a new home. The listing agent and seller will want to see that you have the ability to purchase the home. This pre-approval letter is generated by the lender after reviewing your complete loan application.

When a lender makes a decision about a mortgage application, they consider many basic factors: all based on your ability to repay the loan. To ensure your loan is truly affordable, a lender will verify your employment and income. Your monthly Debt to Income ratio – your total income, minus monthly credit payments and other debts — will also be considered.

The easiest way to get personalized information about your loan options is to contact a highly qualified, local Loan Consultant! Complete the form below for quick response.

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Home Advantage Realty LLC AKA is not licensed as a Broker/Lender and does not conduct mortgage brokerage or lending activities with consumers in the United States or Canada.

You are not required to purchase any service or product recommended by Home Advantage Realty LLC AKA or from any entity or person we may recommend.