Walk in as a pre-qualified buyer.
Many realtors want to see a pre-qualification letter before they'll start showing you homes. Getting one takes a few minutes and no credit pull.
What a pre-qualification letter actually does for you.
Realtors take you seriously
Many agents ask for a letter before they'll start showing homes. Having one means you skip that conversation entirely.
You narrow the search
Knowing your range keeps you from touring homes that were never going to work, and from missing ones that would.
The application goes smoother
Most of the groundwork is already done, so the full application is a shorter, less stressful process.
Check where your credit stands.
Lenders look at your payment history, income, and current debts to judge how likely you are to make the payment each month. That number is your credit score, and it's one of the biggest factors in approval.
Below 640? Read your full report closely to make sure it's accurate, stay current on every payment, and pay down what debt you can before applying.
A lower score doesn't disqualify you. It changes which programs fit — which is exactly what we'll talk through.
Start the conversation.
Fill out the questionnaire and we'll come back with real numbers for your situation.
Questions about credit, down payments, or programs? Call (866) 497-7005 and we'll walk you through it.
