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2kids2cats
My babies
Member since 6/05 5229 total posts
Name:
f
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Getting pre-approved
Hi, can anyone give me some insight on getting pre-approved? What steps do I have to take, and do you have any recommendations on who to go through and who NOT to go through? Thanks so much! Also, once you get pre-approved, how long does that last? Thanks.
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Posted 1/16/06 8:12 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource | Prudential Douglas Elliman Real Estate |
DjPiLL
Member since 5/05 3664 total posts
Name:
Richard
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Re: Getting pre-approved
http://www.gardencitymortgage.com
Give this guy a call. He got me a killer deal on an interest rate back in August.
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| Posted 1/16/06 9:53 PM |
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2kids2cats
My babies
Member since 6/05 5229 total posts
Name:
f
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Re: Getting pre-approved
Thanks so much!
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| Posted 1/16/06 10:45 PM |
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oneday
<3
Member since 5/05 4319 total posts
Name:
Pam
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Re: Getting pre-approved
For us to get preapproved, it was about the same as actually getting approved in general. We needed previous income returns, pay stubs, all our bank info, loans, and credit reports. It was a while ago so I don't remember how long it took - but it wasn't very long- and I'm not really sure how long it lasted, but I want to say maybe 3 months or so. Sorry, I'm a little fuzzy on the details.  Good luck!
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| Posted 1/17/06 9:30 AM |
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2kids2cats
My babies
Member since 6/05 5229 total posts
Name:
f
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Re: Getting pre-approved
Thanks for your help! Once you get pre-approved from a company, must you go with them? Or can you shop around?
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| Posted 1/17/06 9:34 AM |
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oneday
<3
Member since 5/05 4319 total posts
Name:
Pam
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Re: Getting pre-approved
No, I'm pretty sure you can still go with whoever you want.
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| Posted 1/17/06 10:37 AM |
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maybaby
LIF Infant
Member since 10/05 195 total posts
Name:
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Re: Getting pre-approved
Call Shore Line Capital (631)642-0010
they were great to deal with and got us a awesome deal
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| Posted 1/17/06 11:14 AM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Getting pre-approved
FYI-anyone can give you a pre-approval. If you have a friend in the mortgage industry they will do one for you. It is really just a piece of paper-if you want one FM me DH is a mortgage broker-he will do it for you. FYI even if you have a pre-approval it does not mean you are approved for a loan-it means they think they can probably find one for you-don't worry though as long as your scores are aboe 620 you should be fine
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| Posted 1/17/06 12:51 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19458 total posts
Name:
L
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Re: Getting pre-approved
wow for us it was nothing, 2 phone calls to two different mortgage lenders for rate comparisons - we gave our social security numbers and they were like here you are preapproved. that was litterally it.
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| Posted 1/17/06 12:54 PM |
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Rycois
Blessed with 2blue/2pink
Member since 12/05 13341 total posts
Name:
J
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Re: Getting pre-approved
.
Message edited 2/13/2009 12:43:15 PM.
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| Posted 1/17/06 1:01 PM |
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oneday
<3
Member since 5/05 4319 total posts
Name:
Pam
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Re: Getting pre-approved
Posted by SweetCaroline
I just called my current lender, gave them DH's info (they already had mine) and voila - pre-approved!
I guess what I was told was that was pre-qualified - and pre-approval was different (that was from the guy I used.)
ETA - basically when we got the contract signed and had to go to the actual approval stage, it was all basically done (though, for us we did have to re-submit some things b/c it was so long after the contract date that we closed - 6 months), so it was really basically a mortgage commitment but without a house to assign it to yet.
Message edited 1/17/2006 1:10:44 PM.
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| Posted 1/17/06 1:08 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Getting pre-approved
kitkat you have FM
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| Posted 1/17/06 2:58 PM |
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charon54
My two boys!
Member since 5/05 7279 total posts
Name:
Rebecca
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Re: Getting pre-approved
You have FM
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| Posted 1/17/06 3:01 PM |
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2kids2cats
My babies
Member since 6/05 5229 total posts
Name:
f
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Re: Getting pre-approved
melijane you have FM!
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| Posted 1/18/06 9:47 AM |
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