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Get Pre-Approved

Get pre-approved BEFORE you start your real estate search:

Does it Help to be Pre-Qualified by a Lender?

The pre-qualification process is fairly quick, and is based on less information than a pre-approval.  While it is fast and it does help, a pre-qualification letter is an opinion from a lender of the maximum amount of real estate you can qualify for. In a competitive seller’s market, an offer from a buyer with a pre-qualification letter could lose out to a person who is pre-approved. It happens to buyers all the time.

Get Pre-Approved by a Lender:

There are several benefits to going the extra mile and getting a pre-approval letter. First, you’ll know exactly how much real estate you can afford. When you find a property you want to buy, your offer will be in a better position than someone less prepared. Finally, being pre-approved is more efficient, and it reduces the amount of time it will take your lender to fund your loan.  Be prepared to provide comprehensive documentation, it is always a requirement.  The lender may independently verify certain things like:

  • Job and career status
  • Your Income
  • Monthly debt payments
  • Cash available
  • Total assets and debts

get pre-approved for a loan or mortgage

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    RE/MAX Surfside Note: Any member (individual or company) of the Outer Banks Association of Realtors (OBAR) may have have their own rules, procedures, and guidelines for COVID-19.  Contact those members/organizations directly for their specific COVID-19 rules, procedures, and guidelines. The CDC, North Carolina, and Dare County currently do not have specific COVID-19 guidelines for real estate companies or short term vacation rentals. Some guidelines:  CDC  North Carolina  Dare County.
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