Three ways forward
Whether you are ready to make an offer, still comparing, or have been turned down elsewhere, there is a route open to you. Every one of them is free.
What a seller looks for
They want a buyer whose credit, income and assets have been reviewed by a lender, negotiating on a price they can afford.
- Credit, income and assets reviewed
- A price you can afford to negotiate on
- Confidence the sale will not fall through
Get pre-approved, free
One of our licensed Lenders or Brokers can assist you with obtaining a Pre-Approval or Pre-Qualification at no cost
- A pre-approval or pre-qualification
- Issued by a licensed provider
- No fee at any point
A path either way
An application and a few documents secure a Pre-Approval if you are qualified — and guidance on how to get there if you are not.
- An application and a few documents
- Steps to take if you are not qualified now
- Residential or commercial guidance
Does a pre-qualification cost anything?
No. One of our licensed lenders or brokers can assist you with a pre-approval or pre-qualification, and there is no fee to do this.
What do you need from me?
An application and a few documents. Upon receipt of those, you should be able to secure a pre-approval from one of our licensed providers if you are qualified.
What if I am not qualified right now?
As a non-profit corporation we will give you guidance on the steps to take to get qualified. We would rather point you toward your dream home in the near future than turn you away today.
What credit score do I need?
Our programs are broader in scope than our competitors’ and accommodate higher debt to income ratios, with credit scores as low as 580 considered.
Why do sellers ask whether I am qualified?
A seller does not want to take their home off the market and then find the buyer cannot afford it. A pre-approval shows your credit, income and assets have been reviewed.