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Kansas City Home Loans

Getting Pre-Approved... The Important First Step

Many home buyers start the home search by viewing homes online, driving neighborhoods and calling real estate agents to ask questions. But before it's time to start the process of viewing homes, the first step is contacting a mortgage lender to get pre-approved for a home loan. It would be a waste of efforts and also extremely disappointing to find a home you love and then lose out on the home because you needed time to get pre-approved before making an offer.


It costs nothing to get Pre-Approved so contact your bank or local mortgage lender to start the process. A loan officer pulls your credit report, asks questions regarding your employment history and income level and assesses your situation from there. The loan officer will run you through a preliminary underwriting system to determine how much home you can afford to buy. Once an allowable mortgage payment is determined, the buyer can decide how high of a mortgage payment they are willing to take on. This process lets us know the maximum price range of homes we should be viewing.


There are some great mortgage lenders and loan officers in Kansas City, Johnson County Kansas, Overland Park and the surrounding area and you'll want to get with one of the best to ensure you have the smoothest possible real estate transaction. Be sure to choose a lender who provides great customer service and who has a history of closing the deals they start. You'll also want to find a lender who has solid interest rates and reasonable loan costs and your real estate agent can help guide you to a great local lender.




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