Kellson Real Estate does not offer lending services at this time. However, you may contact our preferred lenders below for your financing needs.

WHY GET PRE-APPROVED ?

Do not confuse loan pre-approval with pre-qualification for a mortgage loan. Loan pre-approval give you much greater degree of certainty of getting your loan funded.

Lenders normally pre-qualify a borower based on what a borrower states on the application. To get pre-approved, most lenders require complete loan application, credit check, income verification and down-payment verification.

It is wise decision to get your loan pre-approved you start any serious home-shopping for many advantages:

- Your lender will give you more details about your loans (interest rate, payment, APR, closing costs...), disclosures, and loan conditions associated with your loan pre-approval.

- You'll know your maximum loan amount your lender is willing to loan you, which helps you narrown down your search to affordable properties.

- Your real estate agent/broker will make stronger committment working for you because he/she knows you're ready.

- If your application is dis-approved, your lender usually offer advices and instructions on how to get ready.

- You'll have more creditbility with sellers. Most sellers do not want to consider your offer without knowing your loan status. A number of sellers only show their properties to qualified buyers.

- If your don't have loan approval at the time you're ready to make an offer, you could lose out on the home to someone who is already pre-approved.

- Loan approval takes time. Your lenders, real estate agents or sellers do not want to to waist your their times, or yours.

- Loan pre-approval gives you at least some peace of mind; loan pre-qualification normally does not.

In general, loan pre-approval give you a lot of buyying and negotiating powers as a buyer.

Please contact Sean Nguyen at 480-678-8222 for free consultation.