"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Reviews
Paul is the best; he helped us buy a new home and also helped us to sell our old home. For buying the new home, he tirelessly worked to show us several homes which met all our expectations, and during the buying process, he was every step of the way closely supported us. After we moved to the new home, he listed the old home for sale and found a buyer within two weeks. During the sale process, he helped us with all the processes and procedures we need to complete as a seller. We strongly recommend Paul for any real estate transaction.
1/4/2021 - ShriramSrivatsa
It was a wonderful experience working with Paul Hummel. His knowledge of the local market, expertise of the selling process and the way he helped going beyond his regular responsibilities were exceptional. We closed at a record setting value and cannot be more happy with the overall experience
4/27/2022 - rajajuly112
I can’t say how grateful I am to have had Paul be my realtor. From the moment we meet at my house, to the final closing sale of my home at the attorneys office. He walked me through the whole process of selling my home and was extremely knowledgeable and patient to answer all my questions. He is a true professional in this business with a desire to put his clients first. Also something important I have to mention is that Paul is always available via text message or phone call, he never left me side during the process. If I could give him 10 stars I would!
5/6/2023 - sbnova355
Paul was wonderful to work with. His knowledge and expertise were top notch and he was very quick to respond to any questions I had. Even after the closing he was super helpful with some ongoing issues. I highly recommend him.
