Whether you're purchasing a home, refinancing, financing an investment property, or exploring another mortgage option, getting started with a preliminary review can help you understand your options.

I'll review your information and help determine which loan programs may fit your goals.

What We'll Look At

Your initial mortgage review may include:

Your financing goals
Income and employment
Credit profile
Monthly obligations
Available assets
Down payment or equity
Property type
Intended occupancy
Estimated loan amount or purchase price

What Are You Looking to Do?

BUY A HOME
Purchase a primary residence, second home, or another property.

REFINANCE A HOME
Review your existing mortgage and potential refinance options.

FINANCE AN INVESTMENT PROPERTY
Explore conventional investment, DSCR, and other real estate financing.

EXPLORE A REVERSE MORTGAGE
Review HECM, proprietary reverse mortgage, and Reverse for Purchase options.

SPECIALTY FINANCING
Self-employed, bank statement, manufactured home, Non-QM, or another unique financing situation.

Ready to Get Started?

Getting started doesn't mean you have to know exactly which mortgage program you need. That's part of what I'll help you determine.

Choose Your Next Step

I recommend three buttons:

GET PREQUALIFIED
For borrowers who want to determine purchasing power and review loan options.

START YOUR APPLICATION
For borrowers who are ready to complete the secure Mortgage 1 loan application.

CONTACT GIDGET
For someone who wants to talk with you before applying.

Not Sure Which Loan Is Right for You?

That's okay. You don't need to choose a mortgage program before contacting me.

We'll look at your goals, finances, property, and circumstances and compare the programs that may fit your situation.

Prequalification is based on preliminary information and is not a commitment to lend. Final loan approval is subject to credit approval, verification of income and assets, acceptable property, underwriting requirements, and applicable loan program guidelines.

Why Prequalification Is So Important

Know Before You Shop

Getting prequalified is one of the most important first steps when you're thinking about buying a home.

A prequalification helps you understand your financing before you start looking at properties or make an offer.

Know Your Realistic Price Range

The price of the home is only part of the equation.

We can estimate your total housing expense, including:

Principal and interest
Property taxes
Homeowners insurance
Flood insurance, when applicable
Mortgage insurance, when applicable
HOA or condominium fees

This helps you shop for a home with a payment that fits your financial goals—not simply the maximum amount you may be able to borrow.

Find the Right Loan Before You Make an Offer

Different mortgage programs can produce very different results.

Prequalification gives us an opportunity to compare options such as conventional, FHA, VA, USDA, jumbo, manufactured home, and specialty financing before you're under contract.

We can look at differences in:

Down payment
Estimated monthly payment
Mortgage insurance
Cash needed for closing
Qualification requirements
Property eligibility

Identify Potential Issues Early

One of the biggest advantages of getting prequalified early is discovering something that may need attention before you've found the home you want.

That might include:

Credit issues
Debt-to-income concerns
Income documentation
Employment history
Funds needed for closing
Large deposits that need documentation
Property or loan-program requirements

Finding these issues early gives us more time to address them.

Be Better Prepared to Make an Offer

When you find the right home, you may need to move quickly.

Having your financing reviewed ahead of time means you're better prepared to submit an offer without starting the mortgage conversation from scratch.

A seller and listing agent may also want evidence that a buyer has discussed financing with a mortgage professional before accepting a financed offer.

Prequalification Doesn't Lock You Into a Loan

Getting prequalified doesn't mean you have to buy a home immediately, and it doesn't lock you into a particular mortgage program.

It's a planning tool that helps you understand your options and make better-informed decisions.

Don't Wait Until You Find the House

The best time to talk about financing is before you fall in love with a home.

Let's determine your purchasing power, review your loan options, and identify any potential issues before you're ready to make an offer.

GET PREQUALIFIED

Prequalification is based on preliminary information and is not a commitment to lend. Final loan approval is subject to verification of information, credit approval, acceptable property, underwriting requirements, and applicable loan program guidelines.

Prequalification vs. Preapproval

People often use these terms interchangeably, but they can represent different levels of mortgage review.

Prequalification
A preliminary review of your financial information to help estimate purchasing power and identify potential loan options. It can be an excellent first step when you're beginning your home search.

Preapproval
Generally involves a more detailed review of your credit, income, assets, debts, and supporting documentation. Depending on the lender's process, the file may receive a more comprehensive evaluation before you make an offer.

Which One Do I Need?

If you're just beginning to explore buying a home, prequalification is a great place to start.

If you're actively shopping and preparing to make an offer, we can determine whether a more complete preapproval review is appropriate.

Already Found a Home?

If you've already found a property—or you're getting ready to make an offer—contact me right away. We can review the financing, property, down payment, estimated payment, and timing before your offer is submitted.

Get Prequalified

Start Your Application

Contact Gidget with Questions

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