"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Communities
Past Clients
Zachary
Burleson, TX
Richard
Aubrey, TX
CJ and Kazia
Emouse Dr. Corsicana,TX
Reviews
Since the first day Brian was very informative and down to earth. He provided the best help in the search of our first house. I would highly recommend him and his team! Thanks for all your help Brian!!
bigrichfish
I cannot say enough good things about the Pointman Real Estate team, specifically, Brian. This was by far the smoothest and quickest process I have ever had with a home purchase from start to finish. Brian definitely brought his “A” game and was flawless when it came to communicating and guiding me through the whole process, especially when it came down to the final steps. There is no question who I will be using for any future Real Estate needs.
Zach
Brian Gates was absolutely the BEST when it came time for us to look for a house. He communicated with us on the daily, provided convenient showings and was really down to earth. I would highly recommend him and his team to anyone looking for a home!
