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Getting Pre-Qualified for a Home Loan

Getting Pre-Qualified

Before you begin looking at homes in-person, you’ll need to meet with a lender to get pre-qualified for a home loan. Getting pre-qualified enables you shop for a home with confidence and will will help you:

  • Determine a comfortable price range;
  • Understand the types of loans you qualify for;
  • Determine your monthly payment;
  • Estimate the down payment and closing costs.

When you’re ready to make an offer on a home, a lender pre-qualification must accompany the purchase offer. While the pre-qualification form is not a guaranteed loan approval, it does let the seller know that you’re likely to be able to obtain financing. If you’re paying cash, proof of funds is required in lieu of a lender pre-qualification.

How do I get “pre-qualified”?

Before shopping for a home, contact a mortgage broker or financial institution. If needed, I can recommend a lender who regularly works with buyers in the Green Valley area.

The process of getting “pre-qualified” is quick and easy, and usually begins with a meeting or phone call to discuss income and employment, credit and liabilities, assets and desired payments. Your credit report is reviewed, enabling you to become pre-qualified fairly quickly.

Sample Pre-Qualification Form

Keep in mind that getting pre-qualified is not a loan application and doesn’t commit you to using that lender — in fact, you can get pre-qualified with more than one lender to compare interest rates and fees. However, you’ll need to decide which lender you want to use once you’ve made an offer on a house.

Eventually, the lender will require additional documentation to complete your loan application, which generally includes pay stubs, W-2’s, 1099’s, recent tax returns, bank statements, and other documentation regarding income, assets and liabilities.

Once you’ve been pre-qualified, it’s important not to make any new financial commitments, such as buying a car, new furniture, or applying for a credit card. Lenders take a second look at your credit in the days leading up to closing, and any changes to your credit picture could jeopardize your loan approval and cost you that new home.

Additional Resources:
Types of Home Loans
Factors that influence your FICO score
7 things to avoid after applying for a mortgage

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TESTIMONIALS

"Russ, Went above and beyond for me. Being from out-of-state, he really knew what area I needed and wanted to be in. He had a lot of extra details in this purchase for me. After meeting Russ, he knew the situation I am in and made this move to the area and home perfect for me. I can not thank him enough."
- R.H., Green Valley AZ
"We were out-of-town buyers and bought our condo sight unseen. First time ever we did this but Russ helped us every step of the way. He sent us videos of the condo, showed the condo to our friend who lives in Green Valley, set up home inspections, and explained differences in Arizona real estate laws/processes to us clearly. He also sent us a timeline on when specific tasks needed to be completed, and he was always available to discuss questions or concerns. We never felt pressured – only felt that we were working with a professional who was looking out for our best interests. We would use him again in a heart beat!"
- J.S., Green Valley, AZ
"Russ is a superstar Green Valley Realtor. We live in California and bought a house in Green Valley in August 2017. We could not have done it without Russ’ up-to-the minute access to listings and we felt comfortable buying on short notice thanks to his local expertise. Plus he was friendly, accessible, and just nice to work with. I highly recommend him for anyone buying in Green Valley."
- C.M., Green Valley AZ
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Russ Fortuno, Associate Broker

I'm a Southern Arizona native and year-round Green Valley resident. Whether you’re buying or selling a home in the Green Valley or Sahuarita area, you’ll experience unsurpassed service and professionalism at all stages of your real estate transaction. I welcome the opportunity to assist in your next home sale or purchase.
Meet Russ

Tierra Antigua Realty

18745 S. I-19 Frontage Rd., Ste. A105
Green Valley, AZ 85614
(520) 333-0446
Contact Russ

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