Georgia Mortgages - Georgia Home Loans Broker for Second Mortgages & Interest Rates

Georgia Mortgages & Home Loans Pre-Approval

What’s the difference between Georgia mortgage pre-qualification and Georgia Mortgage pre-approval?

Pre-qualification is the starting point in your search for Georgia mortgage financing. A quick snapshot is taken which includes income, existing debt, savings, length of employment, etc. All of these factors will then be analyzed to determine your Georgia mortgage loan eligibility.

Pre-approval is written documentation that shows you have the support of a lender who is willing to finance you. It means your loan application for a Georgia mortgage has been reviewed by an underwriter.

Based on your income, debt ratio and savings, the underwriter provides the dollar amount you are eligible to borrow. Now you can shop around for houses that fit into that loan amount category.

Here is the nice thing about the pre-approval: It gives you the leverage to shop as a cash buyer! With a Georgia mortgage pre-approval in hand, you now have the power to negotiate. The seller will take your offer much more seriously knowing you are already approved for your Georgia mortgage by a lender. Full credit approval can save you up to 15% on the purchase price of your home.

What will my monthly payments be?

The amount of your monthly payment depends on what loan program you choose. We like to provide our clients with an easy-to-read spreadsheet that narrows your choices down and compares different Georgia mortgage loan programs that meet both your current and long-term goals. You will have the opportunity to select a program you feel comfortable with before you make an offer on a home.

What is the cost of Georgia mortgage pre-approval?

Georgia mortgage pre-approval is absolutely FREE! You have nothing to lose and everything to gain.

Give us a call or fill out our online application to begin your Georgia Mortgage pre-approval process today!

Fill out the form below and we will contact you or Email us directly if you have a specific question to ask.

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