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The First Step in Obtaining a Home Loan
Are you wondering how much house you can afford, or how to obtain an official mortgage approval? Learn how to get Pre-Approved for a home loan with Meridian Home Mortgage.
Obtaining a mortgage pre-approval from a reputable home mortgage company is a must if you are in the market for a new home. The process is more involved than a pre-qualification, but it results in you receiving an official Letter of Approval.
Realtors agree that obtaining this Letter of Approval is the key to being able to shop with confidence. Having this letter in hand gives you an edge over competing buyers and works in your favor when negotiating with a seller.
Meridian Home Mortgage can shop among all home mortgage loans to find the one that is best for you. They can pre-approve you within 24 hours. Please have the following pieces of information available when calling:
- Date of birth, Social Security number, address - We provide a credit report at no charge.
- Most recent Pay stub and last two years W2 statements
- If you are self-employed, you will need tax returns from the last two years
- Account statements sourcing down payment funds
Once you are Pre-Approved you can begin shopping for a new home armed with the knowledge that your financing is secure. After you find your new home, Meridian will work closely with your Realtor to make the home-buying process pleasant and stress-free.
And remember - you are always protected by our Close With Confidence Guarantee.
Meridian Home Mortgage doesn't ask you to pay any upfront application fees.