{"id":653,"date":"2017-08-01T07:55:51","date_gmt":"2017-08-01T07:55:51","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=653"},"modified":"2023-11-20T20:45:53","modified_gmt":"2023-11-21T01:45:53","slug":"getting-pre-approved","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/mortgage-101\/getting-pre-approved","title":{"rendered":"Getting Pre-Approved for a Mortgage Will Save You Hassle and Heartache"},"content":{"rendered":"\n
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You wouldn\u2019t go to the grocery store without bringing your wallet. And for major purchases like home appliances or furniture, you’d make sure you had enough money (or credit) to cover the cost of that new dishwasher or sofa before heading to the showroom.<\/p>\n\n\n\n

But when it comes to buying a home, tons of would-be homeowners start house hunting<\/a> before<\/em> they sort out their mortgage financing. And shopping for a home without first getting pre-approved for a mortgage? It’s a lot like heading to the store without having any idea of how much money you\u2019ve got in your wallet. Or, whether you\u2019ve got your wallet on you at all.<\/p>\n\n\n\n

Pre-approval is the first big step towards getting a mortgage. Lenders look at your income, assets, debts, and credit. Then, they use that information to decide whether you\u2019d be a good candidate for a mortgage. If you are a good candidate for a mortgage? The pre-approval letter will also let you know how much money you qualify to borrow.<\/p>\n\n\n\n

Why Should I Get Pre-Approved For a Mortgage?<\/h2>\n\n\n
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With a mortgage pre-approval, you\u2019ll be able to:<\/p>\n\n\n\n

Avoid Surprises<\/h3>\n\n\n\n

<\/strong>Often, would-be homebuyers discover credit issues that need to be addressed before they\u2019ll qualify for a mortgage. Or, they find out that they qualify for less home financing than they thought they would.<\/p>\n\n\n\n

It\u2019s inconvenient and a little embarrassing to get to the front of the checkout line only to discover that you can\u2019t pay for your items. <\/p>\n\n\n\n

If you discover an issue with credit or financing early enough in the home-buying process, you\u2019ll be able to address the matter or adjust your house-hunting strategy. But finding out that you won\u2019t be able to secure financing after you make an offer can cost you a lot of wasted time\u2014and in some cases, actual money.<\/p>\n\n\n\n

Confirm Your Price Range<\/h3>\n\n\n\n

With a pre-approval letter in hand, you\u2019ll know exactly how much money a mortgage lender would be willing to loan you to purchase a home.<\/p>\n\n\n\n

Now, the fact that a lender is willing to loan you a certain amount doesn\u2019t mean that you should buy a home that costs exactly that much. You\u2019ll want to do your own budgeting to settle in on an amount you are comfortable spending on a home. You may decide you want to spend less than a lender is willing to let you borrow. But a pre-approval can keep you and your real estate agent focused only on homes you can actually afford.<\/p>\n\n\n\n

Get Some of That Paperwork Out of the Way<\/h3>\n\n\n\n

When you do finally find the home of your dreams? Pre-approval means you won\u2019t need to hustle to round up all of the necessary supporting documents required for a mortgage application. You\u2019ll have done most of it for your pre-approval already.<\/p>\n\n\n\n

So, you\u2019ll only need to update the information you\u2019ve already got on file. And less paperwork means less stress\u2014and more time to think about what color to paint your new dining room.<\/p>\n\n\n\n

Show Sellers That You\u2019re Serious and Qualified <\/h3>\n\n\n\n

This is probably the single biggest benefit to getting pre-approved for a mortgage. Having a pre-approval letter to include when you make an offer on a home shows sellers that you\u2019re serious about purchasing.<\/p>\n\n\n\n

No seller wants to put in time and effort with a potential homebuyer who might not be able to secure financing. A pre-approval letter in-hand? That can go a long way towards convincing a seller that you\u2019re the right buyer for their home. In especially tight real estate markets, some sellers\u2014or seller\u2019s agents\u2014won\u2019t consider offers without pre-approval at all.<\/p>\n\n\n\n

Getting Pre-Approved for a Mortgage<\/h2>\n\n\n
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\"\"<\/figure><\/div>\n\n\n

The process for pre-approval for a mortgage is pretty straightforward. If you\u2019re organized, you can complete the whole pre-approval application in about ten minutes. (For a list of the sorts of documents you\u2019ll want to have ready, check out our mortgage application checklist<\/a>.)<\/p>\n\n\n\n

Morty\u2019s Pre-Approval<\/a> application is fast, easy, and all online. That means no wasting reams of paper printing old bank statements. Or trying to find a fax machine like it\u2019s 1987. You can finish the entire thing without picking up the phone or talking to anyone. (Though we\u2019ve got real-human mortgage experts available if you\u2019ve got questions). Qualify for a mortgage pre-approval based on the information in your financial profile? You\u2019ll be able to download a pre-approval letter right away.<\/p>\n\n\n\n

And as an added bonus, folks who get pre-approved through Morty<\/a> have access to Morty\u2019s shop-and-compare mortgage marketplace. So when the time comes to choose a lender, you\u2019ll be able to compare real offers side-by-side and find the best mortgage for you.<\/p>\n\n\n\n

If you\u2019re serious about buying a home, there\u2019s no better time to get pre-approved than early in your home-buying process. Buyers who take the time to get pre-approved in advance have happier, less-stressful home-buying experiences. You can get started with your Morty pre-approval here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

You wouldn\u2019t go to the grocery store without bringing your wallet. And for major purchases…<\/p>\n","protected":false},"author":1,"featured_media":1927,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6],"tags":[13,11,57,56],"series":[72],"class_list":["post-653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-101","tag-house-hunting","tag-mortgage-prep","tag-pre-approval","tag-smart-money","series-pre-approval"],"acf":[],"yoast_head":"\nGetting a 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