Hvarre Development

Get Your Pre-Approval Started Now!

While buying a home can be one of the most exciting experiences of your life, there are certain steps that must be taken to make sure you’re setting yourself up for success.
When starting your new home search, the first thing you should do is get pre-approved.
 Throughout the years, we have taken great pride in helping our clients achieve the dream of homeownership and we want to help you achieve that dream as well!

Get your process started by applying with one of our trusted lender partners!

Envoy Mortgage
Kim Brass

Kris Bass

Sr. Loan Originator

Apply Here
First State Bank in Polo

Why is it important to get pre-approved?

Before beginning the home-buying process, you should ensure you’re working with a reputable local lender who can support and facilitate your financing needs. When competing for a home in this market, you will have more success once you’ve secured your pre-approval letter.

Your offer is more appealing

Buyers who have already taken the necessary steps to get pre-approved are viewed more favorably. Obtaining a mortgage pre-approval demonstrates to sellers that you are a serious buyer. In this competitive market, often times there are multiple offers on the same home. The buyer who has been pre-approved by a reputable local lender has a clear advantage.

More leverage in negotiations

Buyers without a pre-approval letter will not be given much consideration when the seller is reviewing offers. Sellers will be more willing to negotiate with you if they see that you have already been pre-approved for a specific amount. You could also negotiate and ask the seller to pay for certain home repairs, a home warranty, or even some of the closing costs.

It helps to establish your budget

When you buy a new home, there are a lot of things to think about, but one of the most important things is your budget. Once you establish the monthly payment you’re comfortable with, you can narrow down your search criteria and adjust your pre-approval amount accordingly.

Competitive edge with a quicker closing date

If your offer is accepted and you’re already pre-approved for a mortgage, the rest of the mortgage process will go much more quickly which allows you to negotiate a quicker closing date. This means you get to move into your new home sooner!