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Getting a Legitimate Lender and Getting Pre-Approved

It used to be that buyers could go house shopping and when they have found their dream home, then they go to get pre-approved. However, in today’s market, that has proven to be one of the least effective methods in landing the dream home.

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property.

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender. Legitimate lenders include: banks, mortgage bankers, credit unions, savings and loan associations, mortgage brokers, and online lenders.

Some lenders to avoid: those who lose a form or misplace a file, those who gather information from you in an unorganized manner, those who are not informed about interest rates, points or costs, and those who cannot provide you with the right information.

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BUDDY HARPER TEAM REALTY
5130 Wilkinson Blvd.,
Gastonia, NC 28056
Licensed NC & SC
Phone: 704-879-7155  

Fax:      704-879-7157
Email:bharper1@carolina.rr.com
Direct:  704-747-4016

Testimonials Page

Stacey and I had a wonderful home buying experience working with Christyn Denton. Her knowledge of the Belmont area; her understanding of our home wants, needs and desires; and her professionalism were excellent. We had to find something in a short period of time, and she helped to take away our stress during the process. We highly recommend Christyn for your home buying needs. Sincerely, Mike & Stacey Andrea
Christyn, "I just wanted to take a minute and thank you for all the hard work and effort you put forth in our recently ratified contract. Your professional manner and commitment undoubtedly contributed to the successful conclusion to you or clients offer. If more agents were of your caliber our business would be so much more enjoyable." Tim B
Buddy, We want to thank you for the Excellent service you gave to us in finding our "Dream Home"! We appreciate all the time you spent in negoiations and getting us the best price on the house! Our best regards, Mike & Karen Worrell
Buddy, Thank you for helping us to sell the Stanley house, we really appreciate your hard work and friendship. Jeff & Emily
Buddy, We want to thank you for all your hard work that you did in finding a house for us! We cannot tell you how much we appreciate all the time and effort you put into us! We miss you already. Chan & Natalie
Buddy, I can't tell you how appreciative I am of all you did to help me. I must say, you have made me change my mind about realtors and their integrity. I certainly am convinced of yours! So thanks for all you do and for who you are. May God bless you! M. Hayes
Buddy Thank you so much for all your hard work to help us buy our first house! We really appreciate you going above and beyond for us. Thanks again! Ryan & Lisa
Buddy, thank you so much for all of your help in the past several months! You have been a God send, and we couldn't have done it without you! Thank you again, The Devers
Dear Buddy, Not everyone can do what you do. But anyone can see that what you do makes a wonderful difference. Thank you for your involvement and commitment in finding our home. The Green's
I appreciate everything you did for me. I feel like you went above and beyond and I'll never forget it. Thank you! I love my new home, it's perfect. Thank you again for everything! Sincerely, C. Phipps
We would like to thank Buddy Harper for all the time he took with us while we looked at condos all over town. He's like the Energizer bunny, he never runs out of power. He listed our house to sell on Thursday and we had a contract on Saturday. If you are even thinking of selling or buying you need to call the Buddy Harper Team Realty for results! Jimmy and Sandy Carr
Thanks for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly a professional. Grant & Tammy Field
In all our dealings with Realtors over the past eight years, we have never met anyone as helpful and energetic as you have been. Without hesitation, we would highly recommend your service to anyone who is looking for an experienced Realtor who cares about getting things done and doing them right! Thanks for taking such good care of us, we couldn't have done it without you! Tisha Jackson
Thank you so much for taking the extra effort to make our first home purchase successful. You were there guiding us through all the crucial and important steps! You really listened to what we wanted in our home and you found exactly what we were looking for - at an amazing price! If we ever outgrow this home, we'll definitely be calling you! Ben and Catherine Hoersch
You made buying a home so easy for my wife and I. We were grateful for how much patience you used in answering all of our questions and taking us to look at so many houses. You never pushed us into looking at something we were not interested in. We strongly recommend you to anyone looking at buying a new home. Matt & Jennifer Keepes
Thank you so much for all you have done for us to make this so easy and stress free. Also, thanks for taking care of all the additional things that had to be done. Looking forward to seeing you soon. Tom & Carol
John and I want to thank you so much for selling our house for us. Thank goodness, we can sleep at night now. We appreciate everything you did for us! John & Robin
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