Once pre-approved mortgageyou’ve decided to buy a home, there’s no doubt that you’ll want to start househunting right away. However, you should slow down just a little bit. Before you dive into the homebuying process, the first thing that you should do on your home buying checklist is to get pre-approved for a mortgage.

The Importance of a Mortgage Pre-Approval

One of the first things you’re going to do when you decide to buy a house is to figure out what your financial situation is so that you can determine a budget. Otherwise, how will you know what price range to look in? However, the absolute last thing you’ll want to do is find the house of your dreams only to find out that you don’t qualify for the amount you need when you finally apply for a mortgage.

Not only will you be unable to buy the house you want, but you’ve just wasted a significant amount of time looking at houses that may have never been in your price range to begin with.

To avoid this issue, you should get a mortgage pre-approval before you begin looking at houses. A pre-approval is a written commitment provided by your lender. Not only will you have a figure that you can use as your budget, but a pre-approval can come in handy when negotiating with sellers since they prove that your loan approval won’t fall through.

Getting a Mortgage Pre-Approval

To get a mortgage pre-approval, you’ll need to provide your tax returns, prove that you are employed, provide your bank statements, and have a solid credit history. For the mortgage to be secured following pre-approval, an appraisal has to be done of the property.


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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"Randy was very easy to work with. He was open and honest, and always there to answer any questions or concerns we had. He was available and worked ... more "
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