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Loan Pre-Approval

Whether you're a first-time homebuyer or have purchased many homes, obtaining a mortgage is a critical part of purchasing a home.  It's true that in today’s lending environment the documentation required to obtain a loan has increased significantly.  However, being proactive in providing this to your lender will position you best when submitting an offer for the home which works best for you.

 

Getting pre-qualified for a loan is a quick way to determine what type of home or property is within your price range.  Knowing this helps us determine which properties to show you, and it helps you make the best use of your time.  Prequalification is based on income and debt information provided verbally to a mortgage professional, and is not a commitment to borrow or lend money.

Getting pre-approved for a loan represents a commitment from a lender that they will grant you a mortgage loan.  Receiving a pre-approval letter involves verification of your financial position including credit, income, assets and liabilities.  Taking this step can help facilitate the purchasing process by reducing the length of time it takes to close the transaction, and has the potential benefit of putting you in a stronger negotiation position with the seller.  In today’s market, offers received by a Seller without a pre-approval letter are not taken as seriously as ones which do.  We highly recommend having a pre-approval letter in place from your preferred lender when you are ready to make an offer on a home.

 

Park Place Real Estate has developed strong ties with many reputable mortgage lenders in the area and will assist you by pairing you with one best suited to fit your lending needs.

 

One of our preferred lenders is Jason Seibel with Alpine Mortgage Planning.  


 

 

 

8880 SW Nimbus Ave., Suite C | Beaverton, OR, 97008
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