Our Little Homebuying Secret

How To Lock In Your Dream Home

Natalie Tuchscherer | VIce President of VISIONBank

Natalie Tuchscherer

VP | Mortgage Lender

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So what's the secret!?

GET PRE-QUALIFIED!

Don’t miss out on your dream home because you aren’t pre-qualified! Real estate agents and sellers prefer working with pre-qualified buyers because it shows your commitment to buying a home and that you can afford it.

When should you contact your bank about getting pre-qualified?

Before you start looking for houses! Getting pre-qualified gives you a clear idea of your budget. You want to make sure that you aren’t looking at homes out of your price range and be disappointed when you can’t afford them.

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How does a mortgage pre-qualification work?

A mortgage pre-qualification considers your income, employment, credit, etc., and determines the maximum amount you can qualify for.

What information do you need to start the process?

  • Personal information such as your address, social security number, and date of birth.
  • Employment information for the last two years.
  • Income information such as recent paystubs, W2’s, 1099s, tax returns, etc.
  • Property information (If applicable)
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Why is getting pre-qualified so important?

Imagine putting a bid in on a house, and there’s another offer on the table — but that other buyer is pre-qualified, and you’re not. Sellers are more likely to go with the other buyer because they know their offer is approved by a bank.

Why get pre-qualified at VISIONBank?

You don’t have to wait days or weeks to hear back from someone. Our team works hard on getting you pre-qualified FAST because we know how quickly homes can move off the market!

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Use our online mortgage application to get the process started today! OR if you are looking to ask a few more questions, we can help! Reach out to us with the form below, and Natalie will be in touch shortly!

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