VIP Buyer Packet by Robb Realty Group powered by EXP Realty

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MORTGAGEPRE-APPROVAL PROCESSFor many home buyers, mortgage pre-qualification is the first step to buying a house. Butyou shouldn’t put your feet up after the first step and expect everything to just fall into place:There’s plenty more to be done. Here’s a straightforward guide of the pre-approval process.STEP 1: MORTGAGE PRE-QUALIFICATIONThe mortgage pre-qualification process is quick and free. It should take less than anhour. During the process, you speak with a loan officer and answer questions aboutyour financial situation.Mortgage pre-qualification will give you a rough estimate of how much house you canafford. It’s not a binding agreement — it’s simply something you can use to gauge yourbuying capability.Mortgage pre-qualification can be especially useful if you’re not sure you can afford amortgage.STEP 2: MORTGAGE PRE-APPROVALAfter you’re pre-qualified, your next step is to get pre-approved. This is an in-depthprocess. You’ll need to submit paperwork about your income, assets, employmenthistory and residency status to a lender.Getting pre-approved is almost like applying for a real loan, but it happens before youselect a home.STEP 3: SHOPPING FOR A HOMENow it’s time for the fun part: home shopping. Using your pre-approval amount as aguide, shop for homes within your budget.Since sellers and Realtors view pre-approved buyers more favorably, shop withconfidence. You’ll come across as a much more serious buyer than any non preapprovedcompetitors.STEP 4. MAINTAIN YOUR FINANCIAL PROFILEBe aware that changes in your financial situation can affect pre-approval. When you’rein the process of obtaining a loan, do not do the following:• Take out on any new debts or make big purchases.• Switch jobs.• Change careers.• Make any big life changes that could put your financial capabilities in question.If you’re looking to change jobs or buy something expensive, wait until after closing.If all goes well, you will be cleared to close — meaning you are fully approved. You’ll get adate for closing. During closing, you’ll sign and double-check mortgage documents.If anything looks different than you were promised, don’t be afraid to back out; it’s betterto leave a bad deal than to be locked into one. We will be here along the way for you duringthis process.10ROBB REALTY GROUP
GET PRE-APPROVED WITH ONE OF OURPREFERRED LENDERS TODAY!Reid ClarkBranch Manager andConstruction SpecialistNMLS 220536 | GRMA 25872126602249 Roswell RdMarietta, GA 30062O:678-448-4195C:770-298-3113ReidClark@silvertonmortgage.comAmy BuynoskiVice President - Mortgage BankerCenterState BankNMLS# 40345532 Magnolia StreetRoswell, GA 30075O: 678-249-7457Amy.Buynoski@centerstatebank.comROBB REALTY GROUP 11
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Page 4 and 5: OURMISSIONSTATEMENTTo Glorify God b
Page 6 and 7: MEET THEPEOPLE“That I trust withm
Page 8 and 9: WE’LL HANDLETHE COMPLEXITIESSO YO
Page 10 and 11: FINANCINGYOUR DREAMSGetting Pre-App
Page 14 and 15: MAKINGTHE OFFEROnce you find a home
Page 16 and 17: START YOUR SEARCHWITH AN AGENTA BUY
Page 18 and 19: 16ROBB REALTY REAL ESTATE SERVICES
Page 20 and 21: REAL ESTATE “DEFINED”We hope ou
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VIP Buyer Packet by Robb Realty Group powered by EXP Realty

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