Which Comes First – House Or Mortgage Professional

Which Comes First – House Or Mortgage Professional

Ideally, you will want to see your mortgage professional first. Why? Because we can help you:

1) get “pre-approved” for your loan placing you in a stronger position when you are “in line” or are bidding on a home,

2) determine how much of a monthly payment you can afford,

3) determine how much home you can afford.

Once you are “pre-approved,” we give you what's called a Pre-Approval Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you, you have met all preliminary conditions for loan approval, and you are approved for a loan for a certain amount.

When you find a house that meets your needs, and you decide to make an offer, being pre-approved for a mortgage will do a couple of things. First, it lets you know up to what figure you can offer. You and your real estate agent will decide on an appropriate offer, but being pre-approved gives you the confidence to know you can follow through.

More importantly, to the home’s seller, your being pre-approved is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never get approved for a mortgage to finance the amount you're offering. In other words, you have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with us. For one thing, you'll need the Pre-Approval Letter! For another, we will be able to find just the right mortgage program to fit your needs.

We are required by law to list the following licensing information. Flagship Financial Group, LLC is licensed as: Alaska Mortgagee Licensee #100278; Arizona Banker 0908193; Department of Corporations under the California Residential Mortgage Lending act Lender 4130854; Florida Correspondent Lender CL 0703188; Georgia Mortgage Broker Licensee 17297 – 3130 W Maple Loop Dr, #200, Lehi, UT 84043 (GA); Illinois Residential Mortgage Licensee MB6760204; Registered under the Kansas Mortgage Business Act License Number of 2002-4309, Maine Mortgage Lender License# SLM9424; Maryland Mortgage Lender 16461, Mississippi Supervised Mortgage Company 308/2006; Nevada Mortgage Broker 1385 – 1349 Galleria Dr., #110, Henderson, NV 89014; New Hampshire Banking Department Mortgage Broker 13439-MBR; North Dakota Money Broker MB101563; Licensed by the Pennsylvania Department of Banking (PA); Utah Mortgage Loan Company 5493106; Licensed by the Virginia State Corporation Commission, License MC-2980. In certain states in which we do conduct business, certain restrictions and limitation apply. Rates and terms subject to change. If you have any questions or comments regarding this offer please email to lharris@ffgcorporate.com.

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