A Pre-Qualification is only good enough to give you a ballpark idea of what you "might" be able to afford for a home. Your information is not verified so a Pre-Qualification is not usually accepted when making an offer. It is good for Pre-Home search planning and online home searching only.

A Pre-Approval is given after your information and income has been verified by a lender. With a Pre-Approval you are ready to see homes in person and make an offer.

Don't set yourself up for disappointment - Get a Pre-Approval before making appointments to see homes in person. It can be heart breaking to find the perfect home and loose it to someone else who did the work up-front to get Pre-Approved.

We will work with any lender you choose.

We have had a good working relationships with the lender on this page. When you know the transaction will go smooth and the people you are working with have the tools to get the job done in a timely manner it can make all the difference in the world.

If nothing else.... have these lenders give you a second opinion. A second opinion will verify that you are really getting the best value for your money.

John and Zee