Would you consider walking into a restaurant with no way to pay? Of course not! Likewise, it is helpful when beginning to shop for your new home, to know how much you can afford and – and how much you can borrow. Don’t wait until you’ve already fallen in love with a property – talk to me to get preapproved today!
Make an offer with confidence.
At GoPrime Mortgage, Inc. getting pre-approved means running and evaluating your credit report. It also means you will need to supply your loan officer with proof of your finances. Being thorough early on saves you time later in the process. It also gives you peace of mind because you can rely on the amount for which you qualify.
When you are pre-approved for a mortgage at GoPrime Mortgage, Inc., you get a “pre-approval letter” that tells you how much we’re willing to loan you – the due diligence that went into that letter means you can make an offer on a home with confidence.
Call our team at 828-242-4780 or Contact Us to start a discussion about which mortgage loan suits your needs. If you are pre-approved for a mortgage before you look at your first house, you’ll know what you can afford.
To get pre-approved for a mortgage loan with GoPrime Mortgage, Inc., you need to submit the documentation your loan officer requests. Every case is different, but you can get a sense of what you may need by checking out our extensive Document Checklist page. You rarely need everything, only what’s pertinent to your situation.
Suppose your situation is unusual with complicated tax returns or multiple sources of income. In that case, your loan officer notifies the underwriters ahead of time to speed up the review process. Once you have been pre-approved, you can find a house and enter into a contract knowing you are close to having the loan in hand. The pre-approval process speeds up the loan process tremendously.
At GoPrime Mortgage, Inc., the mission is to help you on Your Road Home. Pre-approval can help make it happen for you.
Pre-Approval vs. Pre-Qualification
Pre-qualification at any other lender, independent or not, often is just a rough guess at how much that institution would be willing to lend you. It guarantees nothing because pre-qualification usually is based on guesses about your income, debts, and assets. GoPrime Mortgage, Inc. asks you to substantiate that information upfront so that your pre-qualification means a lot more. Leave the guessing out of the equation.
Of course, you always have the option of completing the entire pre-approval process. It does position you as a well-prepared homebuyer, which will impress many sellers and realtors. remember that a pre-approval does take more time than a pre-qualification. Pre-approval goes through the same process and requires the same documents as applying for the loan, but without a specific property address identified.
Advantages of Pre-Approval
Another advantage of getting preapproved for a mortgage is that the process often helps you determine the type of mortgage loan fitting for your situation. GoPrime Mortgage, Inc. offers many different types of mortgage loans, so with us, you know you have an ally looking out for your best interests.
Finding the Right Loan with a Good Rate
GoPrime Mortgage, Inc., serving North Carolina homebuyers, is committed to you, not to shareholders or bank presidents. The company representatives work with you to find the loan that’s best suited to you, with a rate, terms, and costs to meet your needs.
Working with an Independent Mortgage Lender
An independent mortgage lender like me does all the mortgage legwork, like finding and comparing loans to find the one suited for you. Since GoPrime has its own network, we can offer a more comprehensive array of mortgage loan packages than a bank generally does. The goal of every GoPrime Mortgage, Inc. transaction is to close on time, every time. Because of the transparent, upfront method, you will know very quickly if you are a good fit for GoPrime Mortgage, Inc. services.
Full Range of Mortgage Products
As an independent mortgage lender, GoPrime Mortgage, Inc. Inc offers loans to purchase or refinance a home. We also have loan products to assist with debt consolidation and home improvement loans, all customized for what you need. You can expect a full range of mortgage loan products when working with us.
We Want You to Stay Informed
Use this website to find the answers you’re looking for, whether your questions are about home-buying or the mortgage loan industry in general. Call 828.348.1907 to speak to a GoPrime Mortgage lender to talk to a live person. There is no obligation, and they will do their best to answer your questions.
As first-time home buyers, retiring and relocating to the Asheville area, Zack Adam was the key to our success. At each step of the financial process – from pre-approval to closing – his knowledge made this a breeze. We were able to compete the purchase with a mail-away closing thanks to Zack’s personalized attention to our needs.