抵押预批准：这是什么以及为什么需要它

We are in a sellers? market. Homebuyers are ready to move and there is a 短缺 of homes for sale. While now is a great time to buy a home because of record-low interest rates, it?s also very competitive as a result. For this reason (and many others) it?s important that you get a mortgage pre-approval before you begin your home search. Let?s take a closer look at what a mortgage pre-approval is and why you need it — especially right now.

什么是抵押预先批准？

Getting pre-approved for a mortgage is a critical first step in the homebuying process. When you get pre-approved it means that a lender has reviewed your finances and determined how much you can borrow, how much you can afford to pay each month, and what interest rate you would qualify for. They do this by examining your income, assets, credit history, and debt. The lender will then supply you with a letter that you can share with a seller to show that you?ve begun the process and the lender is willing to work with you. Be aware that while a pre-approval is a good start on the mortgage process, it does not guarantee that you will ultimately get a loan for the home you would like to purchase.

我为什么需要它？

There are a number of reasons why getting a mortgage pre-approval is essential in today?s market. 

• 它可以帮助您整理财务状况 — Applying for a mortgage is a hairy process and requires specific documentation. When you get pre-approved you?re getting a jump on gathering all that paperwork, including bank statements and tax forms. While you?re at it, get a copy of your 信用报告 并检查是否有错误。如果发现任何问题，请采取必要的步骤 将它们删除.
• 它可以帮助您设定预算 — It?s easy to get carried away when you start looking at homes. Before you know it, you may be daydreaming about homes you cannot afford. That?s both a waste of money and a waste of your precious time. Getting pre-approved shows you what you can 买得起 so that you?re only looking at homes in your price range.
• It signals that you?re a serious buyer — In today?s market, you?ll be competing against other buyers when you put in an offer on a home. You can bet that all those other buyers will be pre-approved. If you aren?t, then don?t expect to have your offer accepted. Getting pre-approved shows sellers that you?re a serious buyer and have a good chance of making it to the closing table.
• 缓解焦虑 — Buying a home can be a stressful experience. But when you get pre-approved you can feel confident moving forward with your home purchase. With so many other things to worry about, it?s reassuring to take anxiety about your home loan off the table.

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When you?re ready to begin your home search, contact the experts at 代理公司。在 949-791-8160 要么 [email protected]。我们的团队可以为您的每一步提供帮助。