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Once upon a time, buyers found their dream home and then went in search of a mortgage. Today, things have changed. The market is more competitive and buyers who arrange their financing first have a distinct advantage. This means finding a lender before you start looking for a home.

Talk to a lender.
Keep in mind that there are all kinds of mortgages available with different rates and features. A Mortgage Consultant will help you navigate through the entire loan process.

Get pre-approved for a mortgage.
Unlike pre-qualification, which is simply a quick estimate of your borrowing potential, pre-approval is a formal approval of a specific mortgage amount—typically the maximum you can borrow. And you’ll receive a good faith estimate of your closing expenses. By initiating the mortgage process early, you’ll be in a better position for your search and purchase.

Shop with confidence.
Once you’re pre-approved, you’ll know exactly how much house you can afford, and you’ll have an edge over other buyers in multiple-offer or negotiating situations.