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Updated: Jan 2, 2023

Oh, you don’t have piles of money laying around to pay cash for your home? That’s ok! The first thing your REALTOR® will advise you to do is to get prequalified for a mortgage. Some people get offended by this, but they shouldn’t. This piece of advice is given to avoid wasting your time and the agent’s time.

There is nothing more heartbreaking than going out and falling in love with the perfect home, to later find out you can’t afford it. When you get prequalified you know exactly what you can afford and you can maximize your search time.

There are a variety of institutions that offer mortgage financing. Banks, credit unions, mortgage brokers and affordable housing programs are some of the different options available. When you meet with their representative they will pull your credit and ask you for income verification information.


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