Getting Started

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Getting pre-approved or pre-qualified is the start to getting you in the doors of houses you want to see but what is it and what is the difference? Either pre-qualification or pre-approval shows your buyer's agent what your loan cap is, what type of loan you are using, your down payment amount and how much is needed for your closing costs and prepaids. These come in a form of a letter from your lender and will support any offer you submit on the house you have chosen and shows the seller that you are a ready and able buyer. 

A pre-qualification letter is based off of the information you provided on your application. A pre-approval has had the same information you provided on your application submitted to an underwriter with the supporting documents and approved.  * To close a mortgage loan, the underwriter will need supporting documents and more such as bank stubs and tax returns.

Choosing CK Realty Homes means working with agents that understand today's market. Navigating a low inventory market means keeping an open mind and fast acting scheduling. Know your personal and loan budget, decide on your sq. ft. and number of rooms and bathrooms a property must have, and talk about your desired location. With the help of your CK Realty Homes's agent, we'll compile a list of homes that meet your needs and wants and create a schedule that fits your daily life.