Podcasts about pre qualified

You are looking for a LUXURY HOME.  It is essential to get Pre-Qualified for a loan.  A JUMBO LOAN may be the solution, but which one?  In this episode, our guest explores options available that you may not be aware of.  We'll uncover secrets behind jumbo loans, explore nuances of rate adjustments, and discuss how market trends—like elections and economic policies—impact real estate and lending. David Kammerer, Sr. Loan Consultant at Summit Funding in Eugene Oregon.  Contact Dave and his team at  541-868 -1850  davekammererteam@summitfunding.net  NMLS ID# 283041 This communication is from Summit Funding and may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you receive this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information.' If the disclaimer can't be applied, attach the message to a new disclaimer message. FOLLOW this show to be informed of new episodes! Ep 110 - Capture Luxury Home Buyers In Central Oregon Ep 111 - Premier Living In The McKenzie - Part 1 Ep 112 - Premier Living In The McKenzie - Part 2   Track your home's value and discover ways to leverage your equity.  Check out your complimentary Home Digest   My clients love it!  Check out your complimentary Market Explorer – Watch neighborhoods you are interested in potentially investing in property.  Completely free of charge with no obligation! Tap the Category that resonates with your life today Home Improvement  Maximize investment, Smart maintenance to-do's Buying To Invest  What to look for, Property Search, Get Pre-Approved! Selling Property  Home or Land, Senior adults downsizing, Value Report Homeowners Best Moves  Bonus episodes about Financial Planning, Market Updates, Trailers about the show and interviews with Real Estate Brokers. Support us by sharing this Podcast with your network of friends & family ~ We appreciate and value your comments to bring you information that resonates with you... and help us keep this Podcast alive! Facebook Homeowners Best Real Estate Moves Listen on your computer Podcast.JudyCasad.com Send me your feedback questions and topic suggestions. Who knows? You just might be a guest on our next show! We do not receive any compensation for mentioning or endorsing product or services discussed in the episode. My Brokerage compensation comes to me upon the closing of a sale. By using the Promo Code OWNHOME to start your own show, I do receive a small kick-back and you receive up to 2 months free service with Libsyn. I value your support and your feedback to keep this show continuing to bring You, a wealth of information!    

How frustrating is it when you lose a job on price or worse, you get ghosted by time-wasting customers?  You travel 25 minutes to survey a job Spend 45 minutes running through everything with your potential customers Travel 25 minutes back home Spend an hour pricing the job Invest 30 minutes scripting and emailing your quote Make 2 follow-up calls, send an email and a text  And you hear absolutely nothing back  Not even a text message saying “I'm sorry for wasting hours of your valuable time but we have gone elsewhere” You just get ignored and ghosted.  What if I were to give you an automated funnel that vetted out time wasters before you even gave up your valuable time replacing them with pre-qualified leads? WHAT YOU WILL LEARN AND KEY ACTIONS FROM THIS EPISODE: 1. Uncover the vetting form that will explode your conversion rate and profits 2. Discover the exact questions you must be asking at the top of your funnel 3. Find out which software you need to build your automated vetting form and process 4. Learn what questions you need to ask to unlock your prospect's budget and timescales Stop wasting hours of your time on people who do not have the right budget or respect the value of your time. Listen now to unlock this powerful vetting form and process.  JOIN THE PRIORITY WAITING LIST BY CLICKING HERE!⁠⁠

Loving greetings and welcome to September's Sunday services when we will dive deeply into this month's theme, “Living from a Heart of Happiness.” As the Dali Lama wisely reminds us, “Happiness is determined more by one's state of mind than by external events.” Together, we will expand our inner understanding that happiness is not an […]

SEAS6 - 276 - Arpan Sandha discussing Pre-Approval, is it really that important? As well as Pre-Approval vs Pre-Qualified. Tune in to learn more with host Curtis Pope.Arpan SandhaRealtor®RE/MAX MagnoliaPhone:  604-902-7726Email: arpan@askarpan.caLet's connect.✅ Instagram: ask_arpan ✅ Facebook: Arpan Sandha

In this podcast episode ... It's possibly the biggest financial decision you'll make in your life, to own a home and get a mortgage. We talk with Jonathan Tremblay an independent mortgage specialist about why you should shop around and get pre-qualified. Plus we take a look at other stories from across the region

Discover the art of living authentically in this episode, where we dissect the keys to becoming the architect of your own destiny. Immerse yourself as we unravel the importance of congruence with your pre-qualified, hard-wired DNA. Tune in for actionable steps to harmonize your existence with your true self.KEY TAKEAWAYSThe importance of recognizing and embracing your unique qualitiesPowerful potential of your pre-qualified DNA for a satisfying lifeWhy it's crucial to follow the flow aligning with your pre-qualified DNARESOURCES/LINKS  MENTIONEDDon't bankrupt any part of your life while chasing financial freedom. If you need support, Julie's coaching slots are available. Secure your personal and financial freedom and get on Julie's investor list now. Schedule a chat or email theconsciousinvestorpodcast@gmail.com so you can take advantage of this year's opportunities.CONNECT WITH USSchedule a 20-min get-to-know each other call - bit.ly/3OK31kISchedule a 30-min call to learn about investing with Three Keys Investments - bit.ly/3yteWhxVisit ThreeKeysInvestments.com to download a free e-book, “Why Invest in Apartments”!If you're looking for an affordable healthcare solution, check out Christian Healthcare Ministries by visiting https://bit.ly/3JTRm1IGo deeper into your reflection with the Conscious Investor Growth Exercises. Click the link to access now https://bit.ly/46mLPKu Ready to accelerate your efforts? Click the link to learn more and apply to the Conscious Investor Growth Accelerator. Space is limited to 12 people https://bit.ly/3QA6K76 Please RSS: Review, Subscribe, Share!

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Malaria vaccine R21 is pre-qualified, published by JoshuaBlake on December 22, 2023 on The Effective Altruism Forum. WHO announced yesterday (21st December) that they have added the malaria R21 vaccine to their pre-qualified list. This is the regulatory step required for Gavi to begin their programmes, as previously discussed on the forum. A good day! Thanks for listening. To help us out with The Nonlinear Library or to learn more, please visit nonlinear.org

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Reach out to pre-qualified prospects with buying intent using custom-built data solutions by Patible. Other third-party buyer intent data sources provide intent data in a reactive manner. We actively seek out buyers who pass all your qualifications and find the right contact within the organization based on personal interest. Connect with Milagros

Happy 4th of July! There's nothing more American than Home Ownership. Today your Chef Dwayne Stein gives you all the phases you go through when purchasing a new home. Cohost James Parker asks what the difference is between is between being Pre-Qualified and Pre-Approved. Later the guys go over the latest housing data, and their weekly segment Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/1/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Over the years I have used both Pre-Qualified and Pre-Approved letters in the past when I was making overs on homes to live in or Investment properties. Of course, now a days I am a fan of Pre-Approved since it can speed up the buying process and being pre-approved for an exact loan amount with a written commitment letter. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.   I know it is much easier to get a Pre-Qualified letter when house shopping but lets explore the differences between pre-qualified and pre-approved loans. Remember I am not Loan Expert and that you should seek advice from a Mortgage lender for information that's best for you.   So, if you're in the market to buy a home, this episode is a must listen. Pre-qualification is typically the first step in the home loan process. It's an informal assessment of a borrower's financial situation based on their self-reported income, assets, and debts. This information helps the lender provide a rough estimate of how much they may be eligible to borrow. Don't give up on your dreams; don't let others talk you out of your dreams. Make your dreams happen. Make it happen today.   Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.   Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs.   Millsway.com and Live4.Club   Become a Paid Subscriber to Live 4 Podcast   #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtor --- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message

Let us give you insight as a buyer regarding these terms that have been used interchangeably (pre approval/ prequalified)Let's sit and talk about the process!

Pat Karley and Blake Fason discuss the importance of getting pre-qualified, even if you are just browsing for that next home!See omnystudio.com/listener for privacy information.

Welcome to Imagine Faith Talk, the podcast where we believe that faith in God is the key to unlocking everything you are called to be! THIS is our mini-series of short episodes called: The Good News with Kev & Don. Listen to Kevin and Donovan break down how you don't have to worry because you are already pre-qualified! This podcast is sponsored by Anchor. If you haven't heard about Anchor it's the easiest way to make a podcast. Download the free Anchor app or go to Anchor.fm to get started. Here you can leave us a voice message: Who knows? It may get played in a later episode https://anchor.fm/imaginefaithtalk/message Feel free to visit our website www.imaginefaithtalk.com, subscribe to our mailing list www.imaginefaithtalk.com/subscribe and check out our blog www.imaginefaithtalk.com/blog. Magical Quotes: "Isn't it amazing that we have a God that is all knowing and all powerful?" Bible Verses: Ephesians 3:20 Matthew 7:7 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/imaginefaithtalk/message

Was your business affected by the pandemic? You could be eligible for up to $26,000 per employee in tax rebates, with no strings attached. Take this free, no-obligation assessment from ERC Scope to find out - it's easy. Don't wait. Visit https://ercscope.com today.

Your Chef Dwayne Stein is here with more education and options. This week he shares information on his upcoming webinar series, and takes listener questions as well. What's the difference between Pre-Approved Vs. Pre-Qualified? How do Schmuckatelli's take advantage of the unsuspecting home buyer? Dwayne is also joined by guest co-host James Parker. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/13/22 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval

What is the difference between Pre Qualified and Pre Approved? #shorts Foreclosures are up 150%! Okay, they are but let's take a step back. They're up 150% from 1 year ago when there was a FORECLOSURE MORATORIUM you couldn't even do one! They are shooting up from extremely low lows, and many are still working their way through the system from pre-pandemic! This IS NOT a cause for panic nor a sign of a housing crisis. All hope is not lost if your appraisal comes in low! You or your realtor can do a Reconsideration of Value. This allows you to present other comparables to your appraiser to see if the value can be increased, and 15%-20% of the time, IT IS! Headlines say that Mortgage Demand has dipped to an "all-time low." But let's tear this apart for a minute. Mortgage Applications include both Refinance AND Purchase Apps! Furthermore, the Refinance Apps are the big chunk of this, as they're down 82% YOY, while Purchase Applications are only down 18% YOY.  I understand buyers are dealing with affordability, but they're still out there! Sellers, if your home is staged right and priced right, there is a buyer for your home.   Nicole Rueth, SVP The Rueth Team 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw Nicole Rueth (NMLS 239840) is licensed to practice on behalf of OneTrust Home Loans (NMLS 46375) in the states listed below. For full compliance verbiage, visit theruethteam.com/compliance/. AZ, CA, CO, FL, ID, IL, IN, KS, MI, MN, MS, MO, MT, NE, NM, NC, OK, OR, TN, TX, UT, VA, WA, WI, WY.  

Pre-qualified vs pre-approved: should you get pre-qualified or pre-approved? What is the difference? Today I am going to share with you what is the difference between getting pre-qualified vs pre-approved. I am going to be covering why you need to get pre-qualified and or pre-approved, what is the difference and how long it takes so by the end, you are going to understand what you should do first, either getting pre-qualified vs pre-approved when buying your first home. So enjoy, sit back and relax! And if you like this video subscribe to this channel so YouTube will show it to more people — HELPFUL TOOLS — ✅ Connect with a great home buyer AGENT or LENDER in your city → https://app.tryhomeflow.com/find-great-buyers-agent ✅ Download HomeFlow, The Smart Home Buyer App → https://lauramoreno.com/homeflow/ ✅ Schedule A Free 20-Minute Home BuyerStrategy Call → https://calendly.com/ms_homebuyer/20-minute-call ✅ Get The Smart Home Buyer Calculator → https://lauramoreno.com/calculator/ ✅ Buy or Sell your home in Brooklyn, New York using Laura Moreno as your agent → https://lauramoreno.com/hire-me/ — RELATED VIDEOS — ⭐ 10 First Time Home Buyers Mistakes - https://youtu.be/G0pkb1FvG5s ⭐ How Much House Can I Afford? - https://youtu.be/dAYEj1_5G_I ⭐ How To Find A Great Agent? - https://youtu.be/7F6LoQeCzaA ⭐ Top Questions To Interview Your Agent: https://youtu.be/nIGpPD05IQQ ⭐ Playlists - https://www.youtube.com/c/LauraMorenoCabanillas/playlists - DISCLAIMER - Laura Moreno is a licensed real estate agent in Brooklyn, New York with eRealty as of the time of making this video. All information given is meant to be educational and be a starting point in your home buying/selling journey. All topics in my videos are based on my prior experiences, please double-check and confirm/consult with a local licensed professional real estate agent or mortgage lender if it applies to your situation.

Today's episode is part one of a special three part LIVE training event my business bestie Aly Porter and I are hosting this week, called the Field of Favor Lead Generation Masterclass!    As Christ followers we know the importance of walking in God's will for our business and life, and with God as our CEO we are called to serve our circle of influence, our field of favor. You see, some of us are speaking to and prospecting the wrong people in our network marketing, direct sales business - and wondering why our message keeps falling flat. Your message isn't magnetic because you have yet to find your field of favor avatar, also known as your ‘WHO'.    What's a field of favor? I'm so glad you asked! Listen in as I share some wisdom and insight on how to build your business God's way by using your God given gifts and talents to discover, attract, and serve your field of favor.    Dream Big. Know Your Worth. Live Abundantly! Melodie Bishop   Field of Favor Facebook Community: fb.com/groups/faithledbiz    Connect with Me: abundantmomlife.com 

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The differences between Pre-Qualified vs Pre-approved… Don't get 'em twisted. You'll regret it.

In this episode – Pre-qualified to receive Out Now! OUR NEW book 'A Beautiful Tapestry'. Full of amusing anecdotes, stories of lives changed through the MBM music and conference ministry. Amazing answers to prayer and of course adventures with their guide and hearing dogs. This is a joyous celebration of how God has used two ladies to share his love to a broken world. Order your copy here: https://www.mbm-ministries.org/products/pre-order-beautiful-tapestry Have a question/comments/concerns? email us at info@mbm-ministries.org Find us on Facebook: https://www.facebook.com/mbmtrust/ Explore our resources on our website: https://www.mbm-ministries.org/ Listen and watch more on YouTube: https://www.youtube.com/user/MaBaker50 Show Notes

Pre qualifying for kingdom blessings and security allows us to embrace our primary assignment. First, please, subscribe, in your preferred app, to partake in freshly released anointed prayers and receive Spiritual insight. All honor and glory belong to the most high God for he is worthy of the praise. Acknowledging on today that God is mighty and all situations, circumstances and sicknesses. Petitioning the throne of grace on today to move on our behalf, and to raise us up higher than the cares of this world. Presenting the ones who stand in need of a touch from God or a washing in the blood of Jesus. #Harmani #Heaven&Nevaeh #Siana #Andre #TrevinJr #BrooksFamily #Marquet #Trevin #TravelingFamalies #Raymond #Anona #Sara-T #Marlene --- Send in a voice message: https://anchor.fm/ravenia/message

Sell by Owner Save the Commission - Hot New ListingsSegment 4Sell by Owner and Save the Commission & Hot New ListingsBarb, Most Home Sellers want to get the most amount of money when they sell their homes. Tell us how they can Sell by Owner and Save the Commission.Some home sellers think they can sell their homes easily by owner, in this low inventory real estate market and it will save them thousands.WARNING:  RISKS OF Selling By OwnerI'm Barb Schlinker with Your Home Sold Guaranteed Realty Colorado and I have helped thousands of home sellers sell their homes for top dollar.We are offering a FREE report entitled:HOW TO SELL YOUR COLORADO SPRINGS AREA HOME BY OWNER AND SAVE THE COMMISSIONTo get your report visit: www.BarbHasTheBuyers.comClick on the GREEN BUTTON or Call: 719 301 3900In the Report it Discusses the top 10 things you should know.  Here are a few:1. Pricing it Righta. Most common is sellers price to low and leave thousands on the tablei. Mountain shadows story2. Market the Home Effectively:a. Zillow? Feeds from MLS!b. Missing out on the 5000 local agents who may be working with ready to act buyersc. Multi Million dollar Lazy Agent!3. Legal Landmines:a. State and Federal disclosure requirements (or could face hefty fines or worse yet lawsuits)b. Legal documents4. Legal Landmines:c. Scarry clauses:Any other documentation and/or disclosures in the seller`s possession that could affect the future value of the property and/or the buyer`s ownership and/or use of the property.More Legal Landmines:d. HOA Disclosure Lawse. What to do or not do about inspection requests5. How to Know if Your Buyer Can Performa. Pre-Approved or Pre Qualified?b. Do they have a House to Sell?c. How Long will you Tie up the Home if they do not perform?6. Contract Negotiationsd. Real Estate must be in writing by lawe. Who pays for:a. Titleb. Taxesc. Surveyd. HOA Transfere. Septic TransferWhat we do:  We HelpHelp people get their homes ready for saleHelp People learn what to do and what not to doHelp People plan out the showing process to get top dollarif you are thinking of making a move Visit BarbHasTheBuyers.comIf you would like to order our FREE Report:Sell By Owner and Save the CommissionVisit:  www.BarbHasTheBuyers.com Click on the GREEN BUTTON Call  our office any time at 719 301 3900You are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty, if you are thinking of making a move Barb at 719 301 3900 or visit BarbHasTheBuyers.comYou Have Some Hot New Listings Coming Up…Before we go Tell us about them:1. 1033 E Costilla St, Colorado Springs, CO 80903, $359,999a. Cash Flow Investment Property!b. Live Rent Free!2. 13071 Deer Ridge Way, Larkspur, CO 80118, LAND, $79999..a. Stunning Acreage with Views Galore3. 2420 Telemark Ct, Colorado Springs, CO 80918, $399,999,a. Spectacularly custom improvements throughout this beautiful homeb. Stone-clad linear fireplace with blower highlights warm and cozy family roomc. Top of the line finishes in elegant master bathd. Updated kitchen with beautiful flooring & stainless steel appliancese. Covered patio to gaze at front range viewsf. Whimsical custom “Harry Potter” shedg. Tiered back yard full of florals and a lighted water featureh. Updated furnace & AC4. 4124 Round Hill Dr, Colorado Springs, CO, $459,999,a. Soaring ceilings and gleaming hardwood floors highlight this elegant floor plan.b. Granite slab counters, massive breakfast bar + quality stainless steel appliancesc. Huge wood deck surrounded by stamped concrete patio.d. Spectacular Pikes Peak and Fireworks views from massive master suite5. 3135 Montebello Dr,

If your small business is struggling right now, you're not alone. 2020 was hard for everyone, especially small businesses. My own business was affected last year, and it was during this year I realized a massive problem. The world is becoming more and more digital, so if small businesses want to survive and continue to get business, they need to shift their marketing efforts online. However, most of them don't have the money, time, or knowledge on how to do so. In the past were a couple options to solve this problem. 1) Small businesses could hire a marketing firm to handle their marketing for them. This can be costly, but can generate good results for some businesses and save them time. However, a lot of marketing agencies screw over small business or just don't generate enough business for it to be worth it. 2) Small businesses could try and learn digital marketing themselves. There is so much information out there that this can not only be difficult, but also very time consuming. Plus, a lot of the resources out there are not user friendly, or tailored to small businesses. Neither of these options are ideal for small businesses, which is why I decided to create a third option, The Small Business Digital Roadmap. The Small Business Digital Roadmap is designed to give you exactly what you need to know to get started with online marketing, without having to waste time and effort scouring the Internet for the answers. All the information in this program is concise and user friendly, so even with no prior digital marketing experience, you can benefit. Finally, the strategies taught in this course have been tested and proven to work for small businesses, so you will be able to generate the same if not better results than hiring a marketing company. The best part: you only have to pay a one time fee and you get access to the program for life. So, what are you waiting for? Visit https://lukehyde.com and book a call with me to find out if The Small Business Digital Roadmap is right for you. This is a 100% free call, with no strings attached. Talk to you soon! -Luke

22452 Sunset Dr, Vassar, KS 3 beds, 2.5 baths, 1570 sq ft http://bit.ly/22452SunsetDr  SPONSOR OF THE WEEK  Locally owned and roasted http://bit.ly/GravelCityRoasters QOTD: What's the difference between Pre-Qualified and Pre-Approved? Matt Johnson REALTOR - Keller Williams Realty Diamond Partners Inc. 620.794.1032 emporiahomes.kw.com #MattInTheHatt #YourExperienceMATTers #Veteran #YourLocalKWAgent Listing courtesy of Ek Real Estate

Britany gets denied for a credit card, what?! We also weigh in on the differences between a pre-qualified credit card offer vs. a pre-approved offer. Do you know the difference? If not, listen and find out. 

Special guest agent partner Andrew Winnett is interviewed on how he is getting a 9X return on investment with our internet annuity lead systems. Find more Annuity Agents Podcast episodes hosted by Bill Broich and Anthony Owen plus the notes for each episode at https://www.annuityagentsalliance.com/podcast/.

Are you pre-qualified or pre-approved? Do you know the difference? On today's episode, we are discussing the differences between being pre-approved and pre-qualified.

This is the difference between being pre-approved and pre-qualified. What’s the difference between being pre-qualified and pre-approved? When you’re pre-qualified, the lender is going off the information you’ve told them: your name, social security number, income, bank account resources, credit score, etc. and they pull your credit score. Being pre-approved means the lender has verified all your information and looked at your documents such as tax returns, bank statements, and W2s. What you truly want is a pre-approval because it proves you’re legitimately qualified for a loan. Being pre-approved also looks better to a seller than just being pre-qualified.  If you have other questions about this or any other real estate matter, please contact me via phone or email. I would love to help you.

Have you always wanted to be your own boss? It's a common shared dream by most of us. Imagine defining your own hours, deciding on what your life looks like..... Then there's the reality check. Being a start up isn't the glamorous world that it's made out to be. One of the biggest flaws in the "be your own boss dream" are the mistakes - sometimes costly ones, the stress of being alone and the sudden realisation that you don't have a support network. I'm not trying to discourage you - I want to support you in the dream - I had it and I'm living it - mistakes and all. But there is a way you can have your dream without the nightmares that can come with it? Buy a franchise. Of course I'm not talking about just any #franchise - yes, this one is unique and so is the #tradie behind it! Business Hero Andrew Khoury, Managing Director of Aussie Home Services. SME TV Business Hero! https://www.aussieservices.com.au/

If you want to discover more about Difference Between Pre-Approved and Pre-Qualified for a Mortgage, you must check out: www.TheRateUpdate.com This video is all about Difference Between Pre-Approved and Pre-Qualified for a Mortgage valuable information but also try to cover the following subject: -mortgage pre approval letter -mortgage pre approval process -mortgage pre-approval So you would like to know more about Difference Between Pre-Approved and Pre-Qualified for a Mortgage, I did too and here's the video that I created around this topic. Difference Between Pre-Approved and Pre-Qualified for a Mortgage intrigued me so I did some research and created this YT video . _________________________ If you would like to find out even more concerning mortgage pre approval letter I recommend you to check out our various other video clips : https://www.youtube.com/user/danfrio1/featured -------------- Have I answered all of your concerns about Difference Between Pre-Approved and Pre-Quali

If you want to discover more about Difference Between Pre-Approved and Pre-Qualified for a Mortgage, you must check out: www.TheRateUpdate.com This video is all about Difference Between Pre-Approved and Pre-Qualified for a Mortgage valuable information but also try to cover the following subject: -mortgage pre approval letter -mortgage pre approval process -mortgage pre-approval So you would like to know more about Difference Between Pre-Approved and Pre-Qualified for a Mortgage, I did too and here's the video that I created around this topic. Difference Between Pre-Approved and Pre-Qualified for a Mortgage intrigued me so I did some research and created this YT video . _________________________ If you would like to find out even more concerning mortgage pre approval letter I recommend you to check out our various other video clips : https://www.youtube.com/user/danfrio1/featured -------------- Have I answered all of your concerns about Difference Between Pre-Approved and Pre-Quali

Your Lender is Your Priest! Or if that's too much--- Avoid Pitfalls When Getting Pre-Qualified.

When should you start getting pre-qualified for a mortgage? We'll cover the timeline you should expect when looking to get a home loan.   GET A RATE QUOTE: ✅ Purchase: https://www.winthehouseyoulove.com/purchasequote  ✅ Refinance: https://www.winthehouseyoulove.com/refinancequote  *Advertisement from Credible Operations, Inc. NMLS ID# 1681276    FREEBIES: ✅ Max Purchase Price Calculator: https://www.winthehouseyoulove.com/max-mortgage-payment-download  ✅ 7 Proven Ways To Save Thousands On Your Home: https://www.winthehouseyoulove.com/free  ✅ Listen To The Podcast: https://plinkhq.com/i/1493715474   AFFILIATES: ✅ Online real estate school with 30% discount: http://winthehouseyoulove.com/realestatecourse  ✅ The recording gear I use: https://www.amazon.com/shop/winthehouseyoulove   0:00 When should you get pre-qualified? 0:12 Timing 3:58 Flow 4:57 How to shop for a mortgage and win   LEGAL: As an Amazon Associate, I earn a commission from qualifying purchases. *Advertisement from Credible Operations, Inc. NMLS 1681276, not available in all states. Visit https://www.credible.com/a/state-licenses for important information about Credible’s licenses. Credible pays Win The House You Love an advertising fee when you submit a pre-qualification request. Kyle Seagraves NMLS# 1701021 Motto Mortgage Alliance 8900 N. Dixie Dr. Dayton, OH 45414 Equal Housing Opportunity

Pre Qualified vs. Pre approved: What's the difference 💻 My Facebook Page https://facebook.com/pg/firstgenerationwhitecollar/posts/?ref=page_internal&msite_tab_async=1 🎙 Subscribe to my podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/l-j/id1525101606 💰 Want to learn how to better manage your money ? 📖 Buy my book https://www.amazon.com/First-Generation-White-Collar-practical/dp/061539082X/ref=nodl_ ———————————————————

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Agents are now getting 10 leads a week and having commissions of $16,000-$25,000 in the first week using Facebook Backdoor Advertising! Join Dr. Hank and Aaron Martinez (from RE Agent Growth) and find out how to get buyers, then attract sellers with all your buyers!!! PLUS... Learn how to use Facebook to TARGET BUYERS & SELLERS! Discover where Facebook's backdoor advertising is! Run a successful ad campaign for just $3 for every qualified lead! BONUS: Get Free FB Backdoor Ad Training!!!BONUS: Free Membership Into "Real Estate Marketing Secrets!"

In this episode, we discuss the difference between a pre-qualification letter and a pre-approval letter. Want to have your real estate question answered on the podcast? Send us an email to thewillisteamlv@gmail.com For more info on Jameen and Nicci Willis, visit https://www.thewillisteamlv.com/

Why is there so much confusion between Pre Approved, Pre Qualified, Pre Underwritten? The MLO team unpacks the truth behind the terms and how different lenders might be putting your approval and real estate transaction at risk.

When it comes to buying a home, timing is everything. Be ready with a mortgage pre-qualification so you know what kind of house you can afford. You can watch this episode on YouTube here. Member FDIC. Equal Housing Lender. 

When to get pre-qualified to buy a house. You should do this step first so you know if you are in the position to buy a house or need to work on your credit, income, and assets. There is no point in looking at houses if do not know if you can purchase or not.  A podcast about credit: https://www.podbean.com/eu/pb-dmrsg-d6deaa A podcast about down payment https://www.podbean.com/eu/pb-3ims7-d79025 Connect with me at Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Email Me: Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Do you need leads? Yes! Do you like hunting your friends and family? NO! Do you like approaching strangers in the supermarket?...I didn't think so. Tune in now!

Do you need leads? Yes! Do you like hunting your friends and family? NO! Do you like approaching strangers in the supermarket?...I didn't think so. Tune in now!

What's the Difference between pre-qualification and pre-approval? Gaby Castillo, with Primary Residential Mortgage shares, that pre-qualified is a projection of what mortgage payment you may be able to manage, which provides a more realistic price range when looking at homes. Whereas a pre-approval is what the bank or credit union will allow you actually to borrow. The post Gaby Castillo | Pre-Approved vs. Pre-Qualified: What’s the Difference? appeared first on Utah Real Estate Podcast.

Text “LOAN” to (602) 975-2772 to reach Shane about buying and refinancing strategies. Text “HOME” to Jason if you’re looking to sell or buy in Arizona or if you need a referral out of state from my expansive national network. https://www.facebook.com/TheAgentsThatCare

Andres explains the difference between being Pre-Qualifed and Pre-Approved.Learn more at www.TheAndresSegovia.com.

Welcome to Life Plus Up by Kevin Yang Episode 3 “Debunking Myths for Mortgage Rookies!”. First, I want to thank all the listeners for their supports as we have just officially crossed the 100 downloads milestone. Your continue support through subscription and follow will help us improving our contents. Remember this podcast is dedicated to you by helping you to achieve success in the three core components of life: Personal, Finance, and Career. Positive News from MSN Good News Sonya Brown-Tillison, the owner of NOLA Vegan Café, has put her two passion: Food & Helping foster kids together through her new restaurant. https://www.msn.com/en-us/news/good-news/restaurant-owner-works-to-help-kids-in-foster-care/vi-AAIurd0 Main Segment "Debunking Myths for Mortgage Rookies For many people. owning a home is an important personal goal. For others, investment in real estate may be crucial part of their financial plan. In this episode, I have the fortune to invite one of the most experienced mortgage experts in New York, Michael Spitkovsky, to our show to debunk some of the popular myths and provide guidance to all the listeners out there. Myth No. 1 "Is getting pre-qualified is the same as getting pre-approved?" A: On basic term and all practical purposes, yes. Most lenders or realtors will consider these two both acceptable to get started. The main difference of the two on a more technical term for some lender is that Pre-Qualified does not run credit or review income documents yet and Pre- Approved will be completing all the review processes to produce a Pre-Approval Letter. Myth No.2 "Shopping around for lenders will hurt your credit score dramatically" A: Anytime when a lender (not on your own internet sites) runs your credit, it will be a hard inquiry and impact your score. However if multiple lenders run your credit in the same 30 days period, it will just be counted as one on credit report. Myth No. 3 "You need perfect credit to buy a house" A: No, you don't need perfect credit, however your rates and credit are directly tie to each other. Higher credit, lower the rate. Myth No. 4 "You can't be in debt and buy a home" A: To answer the question probably, the lenders will consider your debit to income ratio as part of the process for approval. Myth No. 5 "You need to put 20% down" A: That is not true. Like previous mentioned, there are programs for people to place as low as 3.5 % of down payment. Myth No. 6 "Is the down payment the only cost to worry about?" A: There are absolutely other costs. Normally there are closing costs which consists: Bank Fees, Title Fees, Mortgage Tax, and Escrow Costs If you will like to contact Michael for more information, please below for his contact: Michael Spitkovsky Premier Mortgage Consultant, NMLS: 410155 Phone: 917-538-6714 Fax: 212-382-7140 Email: michael.spitkovsky@us.hsbc.com https://www.us.hsbc.com/home-loans/mortgage-consultants/michael-spitkovsky/ If you will like to submit your questions in regards to the show, please email podcastlifeplusup@gmail.com or Instagram @Lifeplusup --- Send in a voice message: https://anchor.fm/lifeplusup/message Support this podcast: https://anchor.fm/lifeplusup/support

In this weeks episode I talk about the difference between being pre-qualified vs. being pre-approved. There is a difference between the two. Find out what the difference is and why I recommend being pre-approved for a mortgage. In the market to buy, build or refinance a home? I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval.

How do you get prequalfied?We need to know 3 things and that is Credit , income, and fundsWhat are things to look for if you are self employed, 1099. CommissionedWhat if you have been unemployed for a long timeWhat if you just graduated college?Get the answers on all of this and more! Support the show (http://www.ddamortgage.com/blog)

A few comments about AWS D1.1 requirements for Pre-qualified WPSs per clause 3 and welder testing.

Follow along as I work to accomplish my goals for the Challenge 20/20 that I placed on myself. Growing my business and Having Fun Achieving Success www.RealEstateWithChrisBrown.com

The first step in buying a new home is to go to a Bank or a Loan Broker to get a Pre-approval letter NOT a Pre-qualification letter. The pre-approval letter you will get after they verify your paperwork will tell you exactly how much you can buy based on your income, expenses and credit. A Pre-qualification letter is only a guess based on what you said without verification. Thanks for listening and you can contact us for more questions, comments or suggestions about this or other Real Estate matters. www.adysimion.com Ady@AdySimion.com Call/Text at 626-607-8652 Connect with me on my other social channels: YouTube Channel: http://www.youtube.com/c/AdySimion Facebook TV Show: https://www.facebook.com/AdySimionRealEstateTvShow/ Facebook Page: https://www.facebook.com/AdySimionRealEstate/ Instagram: https://www.instagram.com/adysimion.realtor/ Linked-in: http://www.linkedin.com/in/adysimion Tweeter: https://twitter.com/adysimion Blog: https://ady-simion.com/ Yelp: http://www.yelp.com/biz/ady-simion-pasadena-3 Zillow: https://www.zillow.com/profile/Ady-Simion/ --- Support this podcast: https://anchor.fm/ady-simion-real-estate/support

Understanding the difference between a Pre-Qualification, Pre-Approval, Approval and Commitment.

Happy New Year 2019 from The Real Estate Happy Hour Show! On today’s show Collier Swecker and David Arnette are going to be talking about the Difference between getting Pre-Qualified for a Mortgage and Pre-Approved for a Mortgage, The Importance if Keeping Your Termite Bonds Up to Date and 5 Reasons That You Should Not Sell Your Home By Owner. Plus the guys give their final College Football Pick of the Season! Join us every Thursday at 4pm for the live show on Facebook Live or watch or listen to the Real Estate Happy Hour on replay or podcast. #RealEstate #Podcast #MegaAgent #Mortgage #HomeBuyer

Episode 37 - What do these home buying terms mean?

Homebuyers always ask me why they need to get pre-qualified. Many of them are eager to start browsing homes—they believe that getting pre-qualified can wait. But, to tell the truth, it can’t. Getting pre-qualified gives buyers a clear understanding of what kind of home they can afford. Not only will this help guide your home search, but it will also prevent you from setting your sights on something outside of your budget. There’s nothing more disappointing than finding the perfect home only to realize that you can’t afford it. This is why it’s so essential to get pre-qualified before you start looking around.  In addition to showing you what you can afford, a pre-qualification will also help you understand what your monthly payments could look like.  Also, first-time buyers aren’t the only ones who must get pre-qualified. Current homeowners looking to make a move will need to go through the pre-qualification process again to account for current interest rates.  “Getting pre-qualified is one of the biggest favors you can do yourself as a buyer.” Pre-qualifications aren’t just for the buyer’s benefit, though. They also benefit the seller. Many sellers won’t even consider an offer from a buyer who isn’t pre-qualified.  So, now that we’ve explained the importance of getting pre-qualified, you’re probably wondering how it’s done. All it takes is a 10- to 15-minute phone call with a lender. This lender will pull your credit and ask qualifying questions about your income and employment status. They will also ask you to provide relevant personal information, like your date of birth and social security number. After this conversation, a quality lender will be able to share the results of your pre-qualification within an hour. All in all, getting pre-qualified is one of the biggest favors you can do yourself as a buyer.  If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.

It’s important to talk to a lender before even considering a home purchase.Buying a home? Search all Greater McAllen Area homes for saleSelling your Greater McAllen Area home? Get a free home value report One of the first things we ask homebuyers is where they’re looking to buy a home. Next, we ask what their price point is. The best way to figure out your price point is to talk to a lender first; they’ll figure out if you’ll be paying cash or financing. Most people choose the financing route.Even if you’ve already spoken with your lender, you should always get a second opinion. I’ve brought in Ricardo Torres of Willow Bend Mortgage to explain more about why it’s important to talk to lenders.You won’t know if you can buy your dream home until you get pre-qualified. A lender makes sure you’re pre-qualified so when you’re ready to buy your home, it’ll happen without a hitch. Willow Bend Mortgage has an app where buyers can check price points, get ideas on pricing, and apply for a mortgage loan. This application takes around five to 10 minutes and allows you to upload paycheck stubs, W-2s, and bank statements: the meat and potatoes of applying for a loan. It also integrates your real estate agent’s information throughout the process.Even if you’ve already spoken with your lender, you should always get a second opinion.If you’d like to contact Ricardo, you can reach him at 956-739-5440. If you’re looking to buy or sell a home, have any questions, or are looking for more information, feel free to reach out to me. I look forward to hearing from you.

Today I want to provide you with a list of documents you’ll be required to have in order to get pre-qualified for a home loan if you’re going FHA, VA, or if you’re self-employed. With both FHA and conventional loans, you’ll need the same documents: The two most recent pay stubs for both the main borrower and the co-borrower if there is one Tax returns for the past two years Two recent bank statements A copy of your driver’s license A copy of your social security card If you’re in the military or are a veteran and you qualify for a VA loan, the documents you’ll need are slightly different: Your latest Leave and Earnings Statement (if you’re active duty) Your certificate of eligibility Your tax returns Your most recent bank statements “Remember that the first step in the home buying process to get pre-qualified—don’t start by looking at homes or going to open houses.” If you’re self-employed, there are two different options: Two years of tax returns, which allows us to base your income on how much you declare as profit at the end of the year Or: Bank statements from the last 24 months, which allows us to determine your income based on the deposits you’ve made in the last two years. Now that you know the documents needed, what do you do with them? Well, we can set up an appointment where we’ll sit down face-to-face, or you can email or fax the documents to me. Remember that the first step in the home buying process to get pre-qualified—don’t start by looking at homes or going to open houses. You first need to determine what is the maximum amount you’d qualify for, what your options are, and how much your monthly payments would be at different price points. You only want to be looking at houses you can afford, and the only way to do that is to get pre-qualified. If you have any questions or would like to set up an appointment with me, please feel free to reach out. I’d love to discuss your situation and see how we can help you move forward.

Summertime is all about new beginnings, which can include buying or selling a home. We have a lot of listeners who are looking to start a new phase in their life this season, but need Angie's help. We'll answer questions about pre-qualification, requesting inspections, proper home staging, and more.

Today is another mailbag edition of The Savvy Realtor. We'll get questions from people in the Triangle asking about sprucing up a home for selling in the summer, buying homes remotely, getting a second chance at buying a dream house, and more.

Did You Know You Have Been Pre-Qualified For Destiny Over Two Thousand Years Ago? When Jesus Was On The Cross, He Had Us On The Inside. We Died With Him And Are Reigning With Him. As He Is, So Are We In This World. We Are In The World, But Not Of It Because Of The Blood Of Jesus Christ. What Qualifies You Is A Directive From God. God Does Not Take Us Anywhere Which He Has Not Already Pre-Qualified Us For. He Pre-Qualified Us For Our Destiny And Purpose. Listen In As DrFaye Delivers Another Powerful Life-Changing Word That Will Surely Shift Your Thinking And Move You Into His Life, His Character, His Nature, His Heart For Humanity. http://Donate to Global Here http://Join Wake Up And Pray Here

There is a difference between being pre-qualified for a mortgage and being pre-approved.Looking to sell your DFW home? Get a FREE home evaluation.Looking to buy a DFW home? Search for homes on the market.I’d like to take a minute to address a frequently asked question: “What’s the difference between being pre-qualified for a mortgage and being pre-approved for a mortgage?” If you’ve been pre-qualified, it means your lender has only taken a cursory look at your financial information. While they’ve checked your credit score, for the most part pre-qualified means your lender has taken down your information and made a presumptive decision before they begin the rigorous process of verifying the information you’ve provided. In short, prequalified means you’ve spoken with a lender about your financial situation.Being pre-approved shows sellers that you are serious and know your purchasing power. If you’ve been pre-approved, it means your lender has gone through that verification process and has documented your finances. In addition to a credit check, they’ve taken the time to contact your employer and verify your income. In regard to your credit, pre-approved means your lender has looked deeper into your credit report than your score, having examined your bills to verify their accuracy and your credit history. When you are pre-approved, you are very close to being able to close on a home. When we represent a seller, we are always looking for a pre-approval over a pre-qualification. While pre-qualification indicates a lender’s best guess, when a buyer is pre-approved for a mortgage it shows the seller that the buyer is more serious about closing and knows their purchasing power. If you’d like us to answer any questions you have in a future video, or you’d like to talk to us about buying or selling a home, please contact me at (469) 338-4756 or online at sales@thepyronteam.com. I'd be happy to help you.

Did You Were Pre-Qualified For Destiny Over Two Thousand Years Ago? When Jesus Was On The Cross, He Had Us On The Inside. We Died With Him And Are Reigning With Him. As He Is, So Are We In This World. We Are In The World, But Not Of It Because Of The Blood Of Jesus Christ. What Qualifies You Is A Directive From God. God Does Not Take Us Anywhere Which He Has Not Already Pre-Qualified Us For. He Pre-Qualified Us For Our Destiny And Purpose. Listen In As DrFaye Delivers Another Powerful Life-Changing Word That Will Surely Shift Your Thinking And Move You Into His Life, His Character, His Nature, His Heart For Humanity. http://Donate to Global Here http://Join Wake Up And Pray Here

What is the difference between being pre-qualified & pre-approved? Which should you do if you are looking to buy?

Jeff Pope from AmCap Mortgage joins me today to explain why it’s important for homebuyers to get pre-qualified.Today I’m here with Jeff Pope of AmCap Mortgage to discuss the importance of getting pre-qualified before you start looking for homes. The pre-qualification letter is a big piece of the home buying puzzle. Going into your home search without a pre-qualification letter is like being at the top of a mountain and speeding down it with no brakes. You might end up OK, but you never know what will happen. You need to start the home buying process by getting pre-qualified. Getting a pre-qualification letter will get you off to the right start. You will know how much you can afford and we can get you into the right house. In order to get pre-qualified, you need your tax returns, W2s, and paystubs. Good lenders like Jeff will use secure services so that your information will be protected throughout the pre-qualification process. If you have any other questions about the pre-qualification process, you can reach Jeff at 713-502-9355 or jpope@myamcap.com. As always, if you have any other real estate questions, give us a call or send us an email. We would be happy to help you!

If you're house hunting, are you better off with a pre-qualification or a pre-approval letter? One goes a lot more in-depth into your finances and shows the seller how serious you are.Want to sell your home? Get a FREE home value reportWant to buy a home? Search all homes for saleWhen you're out shopping for homes, are you better off with a pre-qualification or pre-approval letter?When it comes down to it, regardless of which side of the transaction you're on, you'll always be better off with a pre-approval letter. Having a pre-approval letter means that the loan officer you're working with has spent the time verifying your income and assets, has gone through a credit report, and has done an in-depth analysis to ensure you're informed as a buyer moving forward in the buying process.Pre-approval letters show the seller that you're serious.The pre-qualification process is not nearly as in-depth; the information is input online or over the phone without verifying whether you have the income or assets. When you get down to it, what the pre-approval letter does is show the seller that you've put your best foot forward and have done everything you can to show them that you're able to buy the house. A pre-qualification letter just doesn't do that. If you have any questions regarding pre-approvals, pre-qualifications, or the Twin Cities real estate market, give us a call or send us an email. We'd love to help you out.

There are many great Tucson area homes for sale. Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call us at 520-544-5555 for a FREE home buying or selling consultation to answer any of your real estate questions.The inventory of available homes in Tucson is shrinking, and this is also occurring on a national level. However, what are you to do if you’re trying to buy a home? That’s what we’ll be discussing today.One simple thing you can do is speak with a mortgage lender and get pre-qualified for a home loan. When you’re crafting offers to sellers, you need to stand out, and being pre-qualified is one way to push your offer to the top of the pile. In fact, most sellers will not even entertain an offer from a buyer who has not been pre-qualified.“Sellers won’t even entertain offers from buyers who are not pre-qualified. ”Why let someone purchase your home if you are unsure that they can afford it? That’s what sellers are thinking when you submit an offer without a pre-approval or a pre-qualification. This is why you absolutely have to be approved to buy a home.You will also need to hire a Realtor in order to craft a more attractive offer to a seller. We can also help you find homes that you might not have found otherwise. We work with other Realtors who have pocket homes that are unavailable to most of the public. We can help you find your dream home - and we can help you purchase it for a fair price. Please don’t hesitate to contact us!

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Selling your Dallas-Fort Worth home? Get a free home value report. Buying a Dallas Fort Worth home? Get full MLS access here.Today I have Chris Pedison with First Choice Loan Services. He has been in the industry since 2006 and he is a production manager. Chris has closed hundreds of loans for us, and we always recommend him to our clients.Chris recommends that all buyers get a pre-qualification, and this is true for many different reasons. Most sellers won’t even entertain an offer without a pre-qualification. If you can’t prove that you can afford the home, you won’t win over many sellers.After you have been pre-qualified, you can get a good idea of what type of home you will be able to afford. When you know your price range, your home search becomes much easier. You’ll be happy not wasting time on a home that you cannot afford.Make sure you use a reputable lender when you get a pre-qualification. This will make your letter of pre-qualification very strong in the eyes of a seller. It’s also best to get pre-qualified right at the beginning of your home search process. This way, you don’t waste time when you’ve found the home you want. Chris has seen buyers lose their dream homes because they weren’t proactive and didn’t get prequalified beforehand.Chris recommends upgrading your pre-qualification to a pre-approval. This is a much stronger statement than a pre-qualification because it requires a lender to provide a commitment for a loan. It takes longer, but it will put you on the same level as a cash buyer.The moral of this story is that if you’re wanting to buy in Dallas, you absolutely have to be pre-qualified. If you need help with this, please don’t hesitate to contact Chris or myself. Also, if you have any questions, we would love to answer them via this video blog. Please don’t be shy - there’s no such thing as a bad question!We look forward to hearing from you! 

Have you ever wondered what the first step in the home buying process is? Today, Tim Curtin from Americorp Mortgage Services is here to help answer that question. Before you even start looking at homes, the first thing you need to do is get pre-qualified. You simply call your lender, talk to them about what you want to do, and then they will take your personal information, income, and assets to figure out what kind of loan you will qualify for. A pre-qualification is different from a pre-approval. The pre-qualification is more of a preliminary step. A pre-approval is when the lender goes through and verifies the information you provided during the pre-qualification. The documents you need to provide to the lender include 30 days worth of paystubs, your W-2s from the last two years, two years of tax returns if you have investment income or are self-employed, bank statements from the last two months, and a photo ID. “Get pre-qualified before you look at homes.” The whole process lasts about 30 days from getting approved to taking the loan to closing. You may even qualify for more than what you can afford. The lender allows you to borrow as much as their guidelines will allow, but that might be more than you can afford. Budget out your monthly mortgage payments in order to know what you can actually afford to spend on a home. If you have any questions for Tim, you can call him at 703-930-1765 or email him at T.Curtin@Americorp-HomeMortgage.com. As always, if you have any real estate questions, please don’t hesitate to reach out to me. I look forward to hearing from you!

Speaker or Performer: Pastor Stephen Braswell Date of Delivery: July 29, 2015

Do you know what are the “8 Behaviors that will Kill your Mortgage Approval” after you have already been approved?” Do you know what the difference is between being “Pre-Approved and Pre-Qualified?” Nicole Lambros, Branch Manager of Academy Mortgage

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Selling in the Indianapolis area? Get a free home value report  Purchasing in the Indianapolis area? Click here for full MLS accessToday we're going  to be speaking about how you can become qualified to buy a home. In order to do this we've invited Phil Lillge of Parker Mortgage to help explain some things. The process of becoming qualified for a mortgage loan is two-pronged. The first part is sitting down with your lender and evaluating your position and your needs, as well as your qualifications. Once you have that initial conversation, it becomes much easier for the lender to find you loan products that can help you comfortably afford a home. You'll have to talk about employment history, credit history, and other things like income history and insurance information. The next step in the process is to determine which program would fit your needs best depending on what your profile looks like. Not everyone will benefit from the same lending program, so it's important to be honest when you consult with a lender, otherwise you may end up in a very sticky situation when you go to close on a home that you cannot really afford. Hopefully this information has been helpful for you. If you have any more questions or concerns, please don't hesitate to contact us. We're always here to help!

Host Kevin Willett is joined by Bill Nickerson from the Mortgage Network to discuss the difference between Pre-Qualified and Pre-Approved Audio file:  billnickersonmarch.mp3