Mortgage Pre-approval Process

Before we begin looking for houses, it is very important for you to talk with a lender. Today there are all kinds of mortgages available with different rates and features. A Mortgage Consultant/Loan Officer can help you select the best option for you. Of course, you may choose to work with any lending institution and/or Loan Officer. Based on her extraordinary competence and customer service, I personally recommend:

Ramona Jenkins, Loan Officer
Bell Mortgage
(952) 278-8705

Thanks to computers and automation, getting pre-approved for a mortgage these days is quick and easy for most people. It is also a critical first step in the home buying process for two reasons:

1. You will learn the maximum amount that the lender will authorize for you to borrow, so we don’t waste time looking at homes that exceed your borrowing capacity. As part of the pre-approval process, the lender will give you a Good Faith Estimate of the front-end, out-of-pocket costs to buy a home. The GFE will also detail your monthly house payment for the approved maximum loan. On that basis, you may choose to borrow less than the lender authorizes. In any event, once you are pre-approved, we will be confident that we are looking at homes that are in your “comfort zone” financially.

2. When we find your dream home, you’ll be ready to make an immediate offer because I will present your pre-approval letter to the seller(s) as part of your offer to purchase their home.

Kay Recommends:

Ramona Jenkins - Bell Mortgage
To contact Ramona Jenkins, you can call her at (952) 278-8705,
or email her here.