Get Pre-Approved for a Home Loan
Before you fall in love with a home, make sure the numbers love you back. Getting pre-approved gives you a clear, realistic picture of your buying power — your rate, your monthly payment, and your comfort zone. And here’s the part most people don’t realize: certain houses only qualify for certain loan types (I know… crazy). Call me and we’ll talk through what that means for you, so you’re looking at the right homes from the start.
Meet My INtrusted Lenders
Get ApprovedWhy Getting Pre-Approved Matters
Your interest rate, monthly payment, and buying power depend on your credit, income, and loan type. A pre-approval gives you a clear, realistic view of what you can afford — and it strengthens your position when you make an offer.
- ✔ Know your true price range before shopping
- ✔ Understand how your credit and debt affect your rate
- ✔ Shop with confidence — sellers take you seriously
What You’ll Need to Get Pre-Approved
Gather these basics before meeting your lender to make the process smooth and quick:
- Driver’s license or government ID
- Last 2 years of W-2s or tax returns
- 30 days of pay stubs
- 2 months of bank statements
- Proof of any additional income
- Employment history (2 years)
- Credit authorization
Pro Tip: Don’t open new credit cards, finance furniture, or buy a car until after closing. Even small changes can affect your approval or rate.
Loan Options You Should Know
Conventional
Lower rates for stronger credit.
FHA
3.5% down and flexible credit standards.
VA
0% down for qualified veterans.
USDA
0% down in eligible rural areas.
Zero-Down Conventional
Special programs — ask me to check eligibility.
Ready to Begin?
Once you have your pre-approval, we’ll plan your next move — finding the right home, at the right price, with zero surprises.
Get ApprovedThe Ten Commandments of a Mortgage Loan
Follow these rules from application to closing — they protect your approval and your sanity.
- Thou shalt not change jobs or quit your job.
- Thou shalt not buy a car or large purchase on credit.
- Thou shalt not open new credit cards.
- Thou shalt not spend your closing funds.
- Thou shalt not omit debts or liabilities.
- Thou shalt not buy furniture until closing is complete.
- Thou shalt not run new credit inquiries.
- Thou shalt not make large cash deposits without proof.
- Thou shalt not change bank accounts mid-process.
- Thou shalt not co-sign for anyone else’s loan.
Fact vs. Myth: What Buyers & Sellers Should Know
✕ “Price high so we have room to negotiate.”
Overpricing reduces buyer traffic, increases days on market, and often nets less than pricing strategically at market value.
✕ “Zestimates are my home’s true value.”
Automated estimates can’t see upgrades, location, or condition. A professional CMA provides a more accurate value.
✕ “You need 20% down to buy.”
Most buyers qualify for 3–5% down — and some programs like VA and USDA offer 0% down. Your lender can confirm your best fit.
✕ “I have to renovate everything before I sell.”
Targeted updates and clean presentation deliver better ROI than full remodels. Don’t overinvest before listing — ask your agent first.
✕ “FSBO always saves money.”
Without professional exposure, negotiation, and legal protection, FSBO listings often net less — not more.
✕ “The only good time to sell is spring.”
Buyers move every season. With the right pricing and marketing, any time of year can be the right time to sell.
Ready to Get Started?
Let’s take the first step toward your new home together — connect with one of my INtrusted lenders to begin your pre-approval today.
Meet My INtrusted LendersIt’s Simple. It’s Nicole.
Text or call 256-452-7135 for real guidance — no pressure, just straight answers.
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