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Mortgage pre-approval is a key aspect of buying a new home. Prior to starting a search for your dream home, it is essential to get a pre-approval for a mortgage from a lender. A pre-approval is the first step in your home buying journey. When you're pre-qualified by a lender for a mortgage loan, you know how much you can borrow depending on your financial situation.
A pre-approval letter from a lender is an offer that you are eligible to get a mortgage loan of a certain amount at a specified interest rate. The pre-approval offer holds good for around 3-4 months or even more sometimes.
Ramanjit Singh can help you with a mortgage pre-approval. Once you are pre-approved, you can make an offer for the home you are planning to purchase. Without a pre-approval, it is very difficult to get the mortgage required to buy the house.
Why choose Ramanjit Singh for mortgage pre-approval?
Ramanjit Singh assists you in navigating through the most difficult pre-approvals and the application procedure.
With Ramanjit Singh, pre-approvals are much quicker. Our clients get pre-approvals in less than 5 minutes too.
We have a strong relationship with all lenders in our network. This is the reason why we are able to negotiate the best interest rate for you depending on your application and requirement.
Ramanjit Singh understand that your requirement is unique and different from the others. This is the reason why we follow a tailor-made and holistic approach for your mortgage pre-approval.
What happens in a mortgage pre-approval?
In a mortgage pre-approval, the lender which may be a bank or any other financial institution evaluates your existing financial situation based on various factors like credit score, monthly income, present assets and liabilities, etc. After a comprehensive assessment, they pre-approve the amount that they are willing to give you as a mortgage loan. Even the interest rate at which they are willing to offer this loan is locked for a period of 4-6 months. However, this is just an offer made to you. There is no obligation for you to take this loan. If the interest rates fall, you can get a better loan at a lower interest rate.
Why does mortgage pre-approval matter?
The most important factor in purchasing a home is the price range. Even if you like a home that you have seen, it may be out of your budget at present. A mortgage pre-approval gives you an idea how much loan lenders are willing to offer. Based on the amount, you can plan your budget accordingly. Based on the pre-approval, you can actually make an offer for the house that you wish to buy.
Does pre-approval guarantee you a loan?
Pre-approval is not a guarantee that you will surely get a loan. A pre-approval means a lender has just pre-approved you for getting a loan. It does not mean you have received the loan amount from the lender. You will only receive the amount once your mortgage is sanctioned. A lender may reject the application due to various factors such as additional debts, change in credit score (low), home appraisal problems, change in income, etc.
WHAT'S YOU EXPECT
We Offer To You
First-Time Home Buyer Mortgage
Refinancing Your Property
Pre Approval
Debt Consolidation
Renew Your Mortgage
Self-Employed Mortgage
Private Mortgagess
Commercial Mortgages
Second Mortgage
Small Businesses Loans
Home Equity Line of Credit
Renew Your Mortgage
When we say YES! We stand behind our PROMISE
STEPS & PROCESS
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July 27, 2021
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Ramanjit Singh assists you in navigating through the most difficult pre-approvals and the application procedure.
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