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Mortgage Pre-Approval for Home Buyers

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Serious About Buying? 
In today's highly competitive real estate market, it's essential for serious homebuyers to set themselves apart from the rest of the pack. One way to do this is by obtaining pre-approval or pre-qualification for a mortgage before beginning the home search. This process can help you determine your budget and loan options, giving you the confidence you need to make an offer on your dream home with certainty.
With the demand for homes far exceeding the current inventory available for sale, pre-approval can be a valuable tool in helping you stand out to sellers and their agents. By having a pre-approval letter in hand, you can show that you are a serious and qualified buyer who is ready and able to make a purchase. Additionally, pre-approval can also help streamline the homebuying process and make it easier to close the deal quickly once you find the perfect home.

Connecting with a lender before starting your house hunting journey is the key to a smooth and successful home buying experience.
10 reasons why you should get pre-approved for a mortgage:
  • Peace of mind. Knowing that you're pre-approved for a mortgage gives you peace of mind throughout the home buying process. You won't have to worry about whether or not you'll be able to get financing, and you can focus on finding the perfect home.
  • A competitive edge. In today's competitive housing market, pre-approval can give you a leg up on other buyers. Sellers are more likely to accept an offer from a pre-approved buyer, because they know that the deal is more likely to go through.
  • A better understanding of your budget. Getting pre-approved will give you a better understanding of your budget and how much you can afford to spend on a home. This will help you avoid overspending and getting into financial trouble.
  • More time to shop. Once you're pre-approved, you'll have more time to shop for a home. You won't have to rush into making an offer, and you can take your time finding the perfect place to call home.
  • Access to better interest rates. Lenders are more likely to offer you a lower interest rate if you're pre-approved. This can save you thousands of dollars over the life of your loan.
  • Faster closing process. The closing process can be a lot faster if you're pre-approved. This is because the lender has already done most of the work, and they'll be able to quickly approve your loan.
  • More flexibility. With a pre-approval letter in hand, you'll have more flexibility in the home buying process. You can make an offer on a home that's priced above your budget, and you can ask for seller concessions.
  • Peace of mind after closing. Once you've closed on your home, you can rest assured knowing that you're financially secure. You won't have to worry about whether or not you can afford your monthly payments, and you can enjoy your new home without stress.
If you're thinking about buying a home, I encourage you to get pre-approved for a mortgage. It's a simple process that can save you time, money, and headaches down the road.

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Working with TopGaHomes presents numerous benefits, including our close ties with local lenders who are readily available to assist you. By partnering with our preferred lenders, you can receive a pre-qualification letter within minutes, offering you a competitive edge in the home-buying process. Let our network of trusted professionals guide you towards a seamless and stress-free experience.

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Pam Deese
​Cedar Mill Mortgage 
(Broker)
C: (678) 358-4945
(770) 928-8985
Email
APPLY NOW
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Michael Uzzell
​Alcova Mortgage
 (Direct Lender)
C: (636) 262-9384 
O: (678) 701-1453 
Email
​APPLY NOW
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Stewart Sadler
Cornerstone Mortgage
​(Broker)
(404) 441-4765
Weekends: 704-450-5012
Email
APPLY NOW
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Lori Newbury​
Silverton Mortgage
 (Direct Lender)
C:(404) 281-9902
O:(678) 701-8883 ​
Email
APPLY NOW
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Yale Xiao
Ping Mortgage

​C: (678) 591-7298 
(678) 585-6373 
​Email
APPLY NOW

Typical items needed for a pre-approval:
  • Two Year Employment History
  • Two months bank statements
  • Employer’s name, address, phone number, applicant start date/end date
  • Home address - Renters include landlord’s name, address, and phone numbers
Does shopping for a mortgage affect my credit score?
When you apply for a mortgage, lenders will check your credit score. This is called a "hard inquiry" and can temporarily lower your credit score by a few points. However, the impact is usually minimal and temporary.

You can shop around for mortgages without hurting your credit score by doing all of your applications within a short period of time. Most credit reporting agencies will combine multiple inquiries within 14-45 days into one inquiry.

So, if you're shopping for a mortgage, don't worry about your credit score too much. Just be sure to compare rates and terms from multiple lenders to get the best deal possible.

Sellers

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Buy/Sell Concurrently​

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​Buy a Home-Step 1
​Home Search Mobile APP
​​New Home Construction
​How Much Can I Afford?
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​​​Calculate Monthly Mortgage
FREE Down Payment Money

Resources

Avoid 13 Homebuyer Mistake$​
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Thinking About Downsizing?
​Market Reports
Property Tax Rates Georgia
Georgia Zip Code Data
​Rental Property Analysis Calculator
Colors That $ell
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Verified Home Services

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Daniel Hebert Realtor real estate agent 30115, 30114, 30188.30107
DANIEL HEBERT
(678) 778-7133
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Home buying and selling in Georgia, 30115.30114
Atlanta Communities | 770.240.2005 | Fax 770.240.5405 | 9860 Hwy 92 | Woodstock, GA 30188      Join Atlanta Communities
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Picture
  • Home
  • Join Us
  • Seller
    • Home Estimate
    • Home Seller's E-Guide Book
    • Professional Home Valuation
    • Transaction Brokerage Services
  • Buyer
    • Home Buyers E-Guide Book
    • Find a Home
    • VIP Listings
    • Mortgage Pre-Approval
  • Contact Us
  • For Sale/Rent/Lease
    • 6887 Winding Wade Trail, Austell, GA 30168
    • 2119 Moon Station Dr NW Kennesaw, Ga 30144
    • 3170 Douglas Lane NW Kennesaw Ga
    • 119 Holly Place Canton Ga
  • More
    • FAQs
    • Start An Offer
    • Refer a Friend
    • Newsletter Signup