Why get pre-approved before shopping for a new home?

Wondering if it's worth it to get your finances in order before you start house shopping?  We make the loan process easy with our paperless mortgage process.  Here's 5 reasons why you should get pre-approved prior to home shopping: 

  1. You’re a more powerful buyer
    Real estate agents and sellers will see you as a serious buyer when you have the backing of a lender. Pre-approval means a lender has looked at your financial background and determined how much home you can afford.  Be prepared with your needed paperwork upfront, this will insure a smooth transaction for you. Click Here to see paperwork that you will need.  
  2. Save yourself some time
    Getting pre-approved can also save you valuable time by identifying how much you can afford, so you can target your home search to your price level. This also allows you to focus on the features of the home rather than worrying about the price tag.
  3.  Better bargaining power
    With a pre-approval letter in hand, you will likely have more negotiating power because sellers and real estate agents know that you have already talked to a lender and you mean business.
  4.  Reduce surprises
    Talking to a MSB Home Loans Inc licensed loan officer before finding your perfect home can help ensure you’re not surprised when it’s time to make an offer. Getting your ducks in a row early will leave little room for unexpected surprises - such as a low credit score or a less than desirable debt-to-income ratio - when you find the home you've been looking for.  
  5.  Enjoy shorter closing periods
    A pre-approval can help to speed up the closing process, since much of your financial information is already collected and in the our system.

Once you submit your supporting documents, we’ll review it and let you know if you qualify for a loan. At that point, we’ll provide you with a pre-approval letter outlining the maximum amount you’re qualified to borrow. 

Ready to get started? Click the button below or Click Here to call (352) 577-0991.

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Get Pre-Approved

We can get your home loan pre-approved online so you can make an offer with confidence that it will get accepted.

  • Benefits
  • icon Get Your Offer Accepted
  • icon Know Your Buying Range
Get Pre-Approved
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Shop For Best Rate

We will use our network of lenders to shop for the best rates and loan program to fit your needs.

  • Benefits
  • icon Shop Multiple Lenders
  • icon Lower rates, Lower Payments
Shop Rates
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Fast Funding

Do you have an accepted offer? Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze and close most loans in 21 days or less.

  • Benefits
  • icon Hassle Free Funding
  • icon Get Your Dream House
Fund Your Dream House

If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can. At MSB Home Loans Inc, we are dedicated to finding the loan that fits your individual needs .

Getting Started