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Getting a Pre-Approval letter starts with completing the mortgage application. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Because different loan programs can cause different valuations, a borrower should get pre-qualified for each loan type the borrower may qualify for.

In attempting to approve Home Buyers for the type and amount of mortgage they want, a mortgage company will look at two key factors. First, the borrower's ability to repay the loan and, second, the borrower's willingness to repay the loan.

Ability to repay the mortgage is verified by your current employment and total income. Generally speaking, mortgage companies prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years.

The borrower's willingness to repay is determined by examining how the property will be used. For instance, will you be living there or just renting it out? Willingness is also closely related to how you have fulfilled previous financial commitments, thus the emphasis on the Credit Report and/or your rental payment history.

These same basic principles apply to each of the mortgage loan products we provide to include:

It is important to remember that there are no rules carved in stone whether you're in North Carolina or the great state of Missouri. Each applicant is handled on a case-by-case basis. So, even if you come up a little short in one area, your stronger points could make up for the weak one. Don't delay, get your Pre-Approval letter by starting the mortgage process with Lifestyle-Mortgage.com. Remeber, Loan companies couldn't stay in business if they didn't generate business, so it's in everyone's best interest to see that you qualify and get approved.

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Lifestyle-Mortgage.com

902 Main Ave
Northport, AL 35476
Fax: 1-877-404-8474
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