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How far in advance should we get a pre-approval? We want to start looking in the next few months.

by lisa789 from Pembroke, Virginia. Jan 26th 2016 Reply


William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,782 contributions

Now is the perfect time to get pre qualified.. By getting with a lender early, he can analyze your complete scenario and if there are any issues, they can be dealt with now while... if you wait till your actually ready and then get pre qualified and the lender finds some issues that need to be worked on, it's probably going to take a couple of months to work those issues out.. getting pre qualified early will eliminate that possibility.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Jan 26th 2016
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Darius Jenkins (Darius)
#68 ranked lender in Virginia - 23 contributions

Hi Lisa, that is a great question. The answer is that you'll want to get pre-approved now. It's best to see where you stand in the home buying process by having an analysis done. Often someone will wait until they actually start looking only to find out that due to credit, income or some other issue that they can't qualify at that time. By going through the pre-approval process now you allow yourself time to address any questions or concerns the lender may have.I'd be happy to assist you. Just give me a call or drop me a note.Regards,Darius

Jan 26th 2016
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Now is the time to get pre qualified prior to looking for a home , I would be happy to help I am local in Hampton roads area of va , please feel free to contact me at markallenhomeloans@gmail.com

Jan 26th 2016
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Lynn Bossi Kinsel (LynnKinsel)
#40 ranked lender in Virginia - 59 contributions

The time is NOW. Speak with a experienced and licensed loan originator who can determine what your needs are, what challenges you may face, how much you want to afford and what program matches your needs. then you will be able to launch your search for the home that meets your criteria. I'm a 25 year veteran of the mortgage industry and would like to help you solve the puzzle to homeownership. Feel free to call me 804-677-8588 NMLS#259819. Lynn Bossi-Kinsel

Jan 26th 2016
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Ron Schwartz (RonSchwartz)
#70 ranked lender in Maryland - 56 contributions

Good afternoon Lisa,The time to be pre-approved is now and I'm available to assist. Feel free to reach me on my mobile phone as I'm working from home while my kids shovel us out ;-)Ron 240-505-4766

Jan 26th 2016
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Derick Condron (rightstartoregon)
#33 ranked lender in Oregon - 597 contributions

Now is the time. You can always update income numbers but if there is an issue with credit or anything you want to be ahead of those issues.

Jan 26th 2016
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Kay Cleland (kay@kcmortgagecolorado.com)
#33 ranked lender in Colorado - 210 contributions

Great day to you! If you want to buy a home in the next few months you definitely should be getting your pre qualification with a local mortgage broker now. Go to www.namb.org and click on Find a professional with your state in the drop down menu on the right. NAMB is the National Association of Mortgage Professionals and holds their mortgage brokers to the highest standards. Best of luck to you on your new home journey. Thank you for asking the question.

Jan 26th 2016
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Jericho Cherry (Jerichocherry)
#58 ranked lender in Virginia - 1,107 contributions

Get started NOW. I am a Loan Officer licensed in the state of Virginia with 17 plus years originating loans.. Call me or email me if you need to get pre-approved. Jericho Cherry- 804-519-7289 or jcherry@gogsf.com

Jan 26th 2016
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