Home Loan Pre Approval

Before you start shopping for a home Make sure to get a mortgage pre approval done by your Loan Officer. During the pre approval we will look at your income, credit, and current debt payments. We will also discuss your goals and make sure to educate you on the home loan process. Once complete you will get a pre approval letter that you can use when making an offer on a home. Offers with pre approval letters are more likely to get accepted by the seller. Work with a local Mortgage Broker right here in Greenville, SC. 

Once your pre-approved for a home loan we will start the initial document review. During this step I'll collect documents that will assist us in helping to choose the very best loan product for your specific needs. I will work with the underwriter to make sure your loan will be approved! This short video will explain the loan application process so you will be better prepared when the time comes. 

There are many misconceptions about what is needed for a downpayent on a home mortgage. Many people still believe 20% down is the minimum. How much you need for a mortagage downpayment depends on the loan product that will best suite your unique needs. Watch this short video as we explain that with as little as 3% down you can be well on your way to home ownership 

What is mortgage underwriting? And how long does it really take? In this short video I will teach you exactly what mortgage underwriting is and what you can expect throughout the process.  My job is to move your mortgage loan through underwriting as fast and seemless as possible so you can relax and enjoy all the fun that comes with your new home purchase. 

What is a home appraisal? Do I need a home appraisal? The home appraisal is an important and necessary step in the home purchase and home loan process. In this short video I will teach you exactly what the home appraisal is and why it's an important part of the home loan process. 

What credit score do I need to be approved for a home loan? There is no exactl right answer to this question. Your credit score is an important factor in the mortgage approval process and your score will help us determine the best mortgage product for you specific needs. In this short video I will teach you all about this and also provide some suggestions to increase your credit score and offer advice on what not to do during the home loan process.