These days, everyone is searching for a little more certainty, especially when shopping for a home. If this sounds like you, know that there is an immediate and comforting way to purchase a home in 2020. It’s by getting pre-approved for a home loan.

One of the first benefits of getting pre-approved is getting insight into your financial health and how much home you can afford. One of the first steps we take to get you pre-approved is to check your credit score and analyze your debt-to-income ratio (DTI).

Often, our applicants are surprised at much credit they are awarded! And other times, getting your credit score and DTI where it should be will take a few extra steps. Either way, you'll have peace of mind of knowing exactly where you stand --and this gives the upper hand over most home shoppers out there.

We get it: real estate browsing and imagining your life in a new home is fun. But when you're serious about buying a home, endless scrolling and "guesstimating" affordability will only waste your time and cause you to miss real opportunities. However, with a pre-approval letter on hand, you can browse confidently, without any murky assumptions about your homebuying power.

Another benefit of browsing with pre-approval is that you'll gain a better picture of all the financial obligations of owning a home. Many overlook the costs of HOA fees, insurance, and property taxes. We'll help you determine the "sweet spot" monthly mortgage payment to make your purchase and accompanying costs transparent.

Low-interest rates and low property inventory means facing competition. And when your dream home is at stake, you want every advantage over other home shoppers. That's where your pre-approval can help you once again! An offer from a pre-approved buyer generally carries more weight than a similar offer from an interested party without pre-approval.

Finding stability where you can is more important than ever before, and this pandemic doesn't have to wreck your homeownership aspirations. Get pre-approval today so you can browse and bid with confidence in one of the lowest interest rate environments the US has ever seen!