I advise everyone to complete our formal pre-approval process up front.  Beginning with a detailed credit, asset, and income analysis I am able to precisely determine the borrower’s genuine qualifying potential.  I explain all the costs associated with the mortgage, down payment options, and monthly payment so that clients know exactly what expect.  Buyers can then shop with confidence and truly enjoy the home touring process.  With a pre-approval letter in hand, buyers can move swiftly and gain greater leverage in negotiation scenarios to avoid potential bidding wars.  Once under contract, the highly skilled members of my AMAZING TEAM will work hard not only to secure the loan in a timely fashion but to make the path to home ownership as stress-free as possible from start to finish!