{"id":2329,"date":"2017-12-19T10:57:09","date_gmt":"2017-12-19T18:57:09","guid":{"rendered":"http:\/\/skyrisere.com\/listings\/?p=2329"},"modified":"2017-12-19T10:57:09","modified_gmt":"2017-12-19T18:57:09","slug":"pre-approval-is-the-first-step","status":"publish","type":"post","link":"https:\/\/skyrisere.com\/listings\/2017\/12\/19\/pre-approval-is-the-first-step\/","title":{"rendered":"Pre-Approval Is The First Step"},"content":{"rendered":"
\n
\n

Pre-Approval Is The First Step<\/h1>\n

\"You<\/a><\/p>\n

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers<\/a> the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.<\/p>\n

Even if you are in a market that is not as competitive, knowing your budget will give you the confidence of knowing if your dream home is within your reach.<\/p>\n

Freddie Mac<\/i> lays out the advantages of pre-approval in the \u2018 My Home<\/a> \u2019 section of their website:<\/p>\n

\n

\u201cIt\u2019s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.\u201d<\/p>\n<\/blockquote>\n

One of the many advantages<\/a> of working with Skyrise Real Estate Group<\/i> is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding \u201cyour credit, debt, work history, down payment and residential history.\u201d<\/i><\/p>\n

Freddie Mac<\/i> describes the \u20184 Cs\u2019 that help determine the amount you will be qualified to borrow:<\/p>\n

1\tCapacity:<\/b> Your current and future ability to make your payments<\/i><\/p>\n

2\tCapital or cash reserves:<\/b> The money, savings, and investments you have that can be sold quickly for cash<\/i><\/p>\n

3\tCollateral:<\/b> The home, or type of home, that you would like to purchase<\/i><\/p>\n

4\tCredit:<\/b> Your history of paying bills and other debts on time<\/i><\/p>\n

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.<\/p>\n

Don’t Overestimate<\/h3>\n

Many potential home buyers overestimate the down payment and credit scores<\/a> needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so as well.<\/p>\n

 <\/div>\n

Contact Us<\/a><\/p>\n

\"SkyriseLogoLrg\"<\/a><\/p>\n

BRE: 02030533<\/p>\n<\/div>\n<\/div>\n ","protected":false},"excerpt":{"rendered":"

Pre-Approval Is The First Step In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2329","post","type-post","status-publish","format-standard","hentry","category-featured","entry"],"yoast_head":"\nPre-Approval Is The First Step - Skyrise Real Estate Group<\/title>\n<meta name=\"description\" content=\"Be surprised with what Skyrise Real Estate Group can do for you. 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