See A Mortgage Person First
So, you’re moving to Charlotte and coming to spend a few days with me to buy a home. I have asked you to contact a mortgage person prior to your buying trip and will need a pre-approval letter before you hop in my car. You might think that I am being nosy, pushy or even rude, but this is necessary for many reasons. The first being this –why would I drive you around looking at other peoples homes without knowing whether or not you are qualified to get a mortgage? I’ll “take your word” that you’ll be here Saturday at 10AM, but I can’t “take your word” about the mortgage qualification. Most lenders can a letter done within an hour. Next, we’ll need to know the exact price range of homes we will be viewing. There’s nothing worse than to show you homes above your price range. If you get used to seeing granite countertops and tile floors, it’s really hard to step down to Formica and vinyl! And finally, most Sellers will require a pre-approval letter at the time you make an offer. When I represent the Seller, I don’t even begin negotiations until I get that letter AND call the lender. For yourselves, me and the Sellers, please get this done well in advance of your buying trip.
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