When it comes to buying a home in York County, it’s always recommended that buyers get pre-approved for a mortgage loan before they begin looking at houses. You’re going to be in an awkward situation if you find a house you like, make a bid, and then find out your mortgage application has been rejected. When you go to your lender to get pre-approved for a mortgage, understand that there is a difference between being pre-approved and being pre-qualified.

buying a home in york countyMortgage Pre-Qualification

Mortgage pre-qualification is the first step in the mortgage application process. It consists of speaking to your lender about your overall financial situation, which includes going over your income, your assets and your debt. The lender will give you an idea of how big of a mortgage you may qualify for using only this information. However, it’s done without the knowledge of your credit score or credit history and the amount you pre-qualify for isn’t necessarily the amount you’ll be approved for.

Mortgage Pre-Approval

Once you’ve been pre-qualified, you’ll need to fill out an official mortgage application. The lender will then do an extensive background check on your financial background and credit rating. So even if you have some assets, a decent income and little debt, you may not be approved for the amount you qualified for if your credit history is horrible. The amount that you are pre-approved for acts as a conditional commitment from your lender for an exact amount, which means you’ll know the exact price range of homes you can afford.

Make sure you don’t just get pre-qualified but that you get pre-approved for a mortgage before looking at buying a home in York County. For additional York County real estate advice, be sure to contact Randy Lindsay today.


Randy has enjoyed over 27 wonderful years in the Real Estate industry making dreams come true for homeowners.

Superior customer service is #1 to Randy and he provides this to all of his clients using knowledge, professionalism, integrity and persistence.

Randy is a successful and experienced real estate agent who expertly represents both buyers and sellers. Scores of Charlotte area residents have trusted Randy in the process of listing their homes to sell.

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