SEARCH FOR A HOME WITH CONFIDENCE

Know exactly what you can afford before you start searching for a home.

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An Ideal Lending Solutions mortgage loan pre-approval is a detailed, high-resolution, picture of your credit worthiness verified by a full review of your income and assets by an Ideal Lending Solutions Mortgage Underwriter. All that’s left for final approval is a satisfactory appraisal, title search and no change in your financial condition prior to closing.

Going through the pre-approval process helps prevent last-minute issues arising throughout the loan process. A pre-approval from Ideal Lending puts you and the seller at ease knowing you are financially capable of following through with the purchase of the home.

Importance of a Pre-Approval

  • Finding the right home at the right price begins with knowing what you can afford. A pre-approval based on your income and expenses gives you the home buying budget you need.
  • With a pre-approval in hand you can shop with the confidence of a cash buyer for your new home.
  • Your pre-approval will provide your real estate agent with the financial information they need to focus your search on homes that you can afford, saving you both valuable time.
  • With an Ideal Lending Solutions pre-approval you’re able to make an immediate offer the seller will take seriously in a highly competitive real estate market.
  • The sooner you close, the sooner you can move in. Your pre-approval means your loan application is already in process. Once your offer is accepted you and the seller can expect to save time and close the deal quickly.

One Step Closer To Your Dream Home!

Once you are pre-approved, you can make an offer with confidence. To summarize, here’s what you get with a pre-approval that you won’t get with a pre-qualification.

Shop With Confidence

Knowing the specific loan amount you are approved for through a lender allows you to search within your price range.

Fewer Obstacles

With a pre-approval in hand, you have the first step in financing your home out of the way, allowing you to focus on finding the perfect home.

Once you find that perfect home, the pre-approval also reduces the possibility of losing the home due to obstacles that may arise throughout the loan process (that can be taken care of during the pre-approval process)

Credibility

Your pre-approval lets the seller know you are financially capable of purchasing the home and following through on your offer. Being a pre-approved buyer in a multiple offer situation could make you stand out above the rest.

Mortgage Pre-Approval
Know Exactly What You Are Pre-Approved For
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*A pre-approval does not constitute a loan commitment or guarantee of a loan. A pre-approval is subject to satisfactory appraisal, satisfactory title search, and no change in your financial condition.