WHY GET PRE-QUALIFIED?

Congratulations on your decision to purchase real estate! Before beginning your property search and hiring a Realtor to represent you, the most important and first step is to get pre-qualified or pre-approved with a lender. This is such an important step for few reasons...

1. Allows your Realtor to show you homes within your budget and that will qualify for your loan type.
2. In todays competitive market, most sellers will not accept an offer without at least a pre-qualification letter.

APPLY ONLINE, HERE ARE A FEW OF MANY LENDERS I HAVE WORKED WITH  (links below):

• Community Mortgage
• Integrity Mortgage Group
• Keller Mortgage ZeroPlus Loan (download free app and go to "Keller Mortgage Save Thousands" button, "in-house" lender)
• Mortgage Investors Group "in-house" lender
• NewAmerican Funding
• People's Home Equity
• Prime Lending
• SunTrust Bank

QUICK REFERENCE

• Mortgage Rates
• "Know Before You Owe" By the CPFB
• Free Credit Report (with score)
• Free Credit Report (without score)
• Need Credit Help?
• Need Credit Help? (another source)
• Fannie Mae
• Freddie Mac
• Realty Title
• Reli Title
• Closing Cost Calculator
• VA Loan Payment Calculator
• Title Policy Premium Calculator

HOME WARRANTY

• First American Home Warranty
• CHOICE Home Warranty
• American Home Shield

LOAN TYPES

• Types of Loans
• THDA "Great Choice Plus" Buyer Incentive Program
• Georgia Dream NSP Program