Finance

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Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

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Carla Giustino has a passion for real estate that runs deep and level of experience and production that few can match. A top-producing, award-winning agent with the Greenbrae office of Coldwell Banker Realty, Carla grew up in a family that invested in multi-family apartment buildings. She bought her first home at just 20 years old and has been investing ever since.

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