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Pre-Approvals

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It’s rare for most homebuyers to pay via cash. Typically, most homebuyers will place a twenty to fifty percent down payment. They’ll obtain the remaining financing through a lender via a mortgage. Mortgages can often be complex and time-consuming. Hence, most homebuyers often seek pre-approval before going house-hunting. Getting a pre-approval before shopping for a home is a good idea because it lets you know how much financing you can obtain from your lender. In addition, securing pre-approval also enables homebuyers to discuss possible loan options and budgeting with their lender. As a result, you have a clearer picture of the monthly mortgage payments you’ll need to make and the total home budget you have at your disposal.

Legacy Mortgage Group helps you get the best mortgage rates and products from our lending partners. Once you receive pre-approval, you can focus on shopping for homes within your price range. Our 100 percent secure digital application process makes obtaining pre-approval easier than ever. In addition, we can also provide you with an estimated mortgage-qualifying amount if you don’t qualify for pre-approval.

Mortgage pre-approval letters are generally valid for sixty to ninety days. Hence, we recommend getting pre-approval shortly before house-hunting. You’ll need to file a mortgage application to receive pre-approval. In addition, you’ll need a checklist of the following documents:

  • Social Insurance Number
  • Your contact info and current address
  • Bank account information
  • Asset report
  • Debt history
  • Income and employment history
  • Past addresses
  • Other critical details

Consider getting in touch with us today to get the best mortgage products and rates.