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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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ANOTHER Pre-Qual Question
Ok i have now called two different places and both said that i have to come in and fill out an application and 5-10 days later i will get a response.
I was told that i could get a Pre-Qual immediately...
Is this true? Or did everyone have to wait and fill out papers?
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Posted 6/29/05 1:05 PM  |
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lily
LIF Infant
Member since 5/05 164 total posts
Name:
L
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Re: ANOTHER Pre-Qual Question
I did everything over the phone/fax/mail. I forget which is first pre-approval or pre-qual. For whichever is more detailed, I think I mailed them copies of our w-2s and stuff. The 1st step (pre-approval?) I got an immediate answer.
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| Posted 6/29/05 1:20 PM |
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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: ANOTHER Pre-Qual Question
Posted by lily
I did everything over the phone/fax/mail. I forget which is first pre-approval or pre-qual. For whichever is more detailed, I think I mailed them copies of our w-2s and stuff. The 1st step (pre-approval?) I got an immediate answer.
well i am looking at houses and i was told that if i want to bid on a home, i should get a pre-qualification. That it will tell me what kind of loan i can get so i know what i can and cannot bid on.
So far the two places i have called, i have to go and pick up an application and then wait a few days for a response?
I thought this process was a little quicker
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| Posted 6/29/05 1:23 PM |
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lily
LIF Infant
Member since 5/05 164 total posts
Name:
L
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Re: ANOTHER Pre-Qual Question
To just look at places we were pre-qualified for a certain amountm but that was just based on figures we gave over the phone. We didn't actually get pre-approved until we had already had an offer accepted. For that we needed to fill out applications and give copies of w-2s, but we still got an answer probably within a day or so from when they got our info. i think one of the places we used to get pre-qualified was countrywide. when we actually got our mortgage we found a great lender through lendingtree.com
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| Posted 6/29/05 1:29 PM |
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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: ANOTHER Pre-Qual Question
thank you for the info 
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| Posted 6/29/05 1:31 PM |
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Re: ANOTHER Pre-Qual Question
We did ours over the phone and then got a letter saying we were pre-qualified.
Have you called a bank where you have an account already? You may find that you get better service there. At this point you should be able to get a letter without going there to fill out papers.
ETA: We got the letter in the mail but they also emailed me a letter as an attachment. I had that in a couple of days. Too bad this place was a disaster in every other way. (Municipal Credit Union)
Message edited 6/29/2005 1:42:01 PM.
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| Posted 6/29/05 1:40 PM |
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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: ANOTHER Pre-Qual Question
Posted by MrsProfessor
We did ours over the phone and then got a letter saying we were pre-qualified.
Have you called a bank where you have an account already? You may find that you get better service there. At this point you should be able to get a letter without going there to fill out papers.
ETA: We got the letter in the mail but they also emailed me a letter as an attachment. I had that in a couple of days. Too bad this place was a disaster in every other way. (Municipal Credit Union)
YES! i called both mine and my DH's banks and both said to come in and fill out papers
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| Posted 6/29/05 1:45 PM |
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KaRiSsA
~*~*~*~*~*~*~
Member since 5/05 4646 total posts
Name:
KARISSA
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Re: ANOTHER Pre-Qual Question
Posted by Redhead
Posted by MrsProfessor
We did ours over the phone and then got a letter saying we were pre-qualified.
Have you called a bank where you have an account already? You may find that you get better service there. At this point you should be able to get a letter without going there to fill out papers.
ETA: We got the letter in the mail but they also emailed me a letter as an attachment. I had that in a couple of days. Too bad this place was a disaster in every other way. (Municipal Credit Union)
YES! i called both mine and my DH's banks and both said to come in and fill out papers
Maybe cause it's the bank and not a broker. We have Chase but used a broker.
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| Posted 6/29/05 1:50 PM |
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KaRiSsA
~*~*~*~*~*~*~
Member since 5/05 4646 total posts
Name:
KARISSA
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Re: ANOTHER Pre-Qual Question
Try Sterling Mortgage in Garden Ciry. Ask for Bob. He was great! Tell him I refered you.
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| Posted 6/29/05 1:52 PM |
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Redhead
You Live, You Learn
Member since 5/05 31871 total posts
Name:
Jennifer
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Re: ANOTHER Pre-Qual Question
Posted by KaRiSsA
Try Sterling Mortgage in Garden Ciry. Ask for Bob. He was great! Tell him I refered you.
Thanks Karissa
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| Posted 6/29/05 1:53 PM |
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KaRiSsA
~*~*~*~*~*~*~
Member since 5/05 4646 total posts
Name:
KARISSA
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Re: ANOTHER Pre-Qual Question
Posted by Redhead
Posted by KaRiSsA
Try Sterling Mortgage in Garden Ciry. Ask for Bob. He was great! Tell him I refered you.
Thanks Karissa
Welcome!
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| Posted 6/30/05 10:31 AM |
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Re: ANOTHER Pre-Qual Question
I got mine the next day through an email attachment. I just gave him all my info on the phone and he checked with all the banks and told me which one was the best.
Lighthouse Financial ask for Rob
631-878-2642
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| Posted 6/30/05 10:43 AM |
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sasha96
lovin' my 2 little ladies!
Member since 5/05 7401 total posts
Name:
Julianne
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Re: ANOTHER Pre-Qual Question
i'd say call a broker, even if you don't end up using him/her.
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| Posted 6/30/05 11:10 AM |
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