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Why Get Pre-approved?
Pre-approval goes a step further than prequalifying. Pre-approval means the lender has contacted the borrower's employer, bank and other places to verify all claims of earnings and assets. In return, the borrower receives a letter stating that he has mortgage approval for a certain amount. Since you already qualify for financing, pre-approval can speed up and improve your chances of reaching an agreement on the purchase price with the seller. The only cost for pre-approval may be the lender's cost of obtaining your credit report. With a pre-approval, you're going to have more leverage when you make an offer. You can say, 'I've got a loan approved already that's sufficient to purchase this home,' and that makes you more attractive to a potential seller.
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Our Mortgage Partners
Bill Phillips at First Priority Financial
Phone: 408-219-4134 Fax: 408-383-4801
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I entered the real estate profession in 2007 hoping that I can develop my career and still able to spend time with my boys as well. I really enjoy helping my clients find their perfect homes and finding solutions that occur during the buying and selling process. My goal is to not only educate people with buying and selling process but also to build a life time relationship with my past and present clients. I’m dedicated to my family, actively volunteers my time at Milpitas Christian School, serves as an official at West swim club, and serves public as a board member at my son’s little league. Whenever I’m not working… enjoy playing tennis, hiking, shopping, interior decorating, reading, trying different foods and traveling but my favorite thing to do is watching my son Brandon hitting baseball and officiating at swim meets where my older son Kovi competes…and once in a blue moon, you will see an official falls in the water accidently and hopefully it will never happen to me.
