Are you considering a buying a home in Oklahoma City? The 405 is a great place to live and the real estate options are many. But before you make an offer on your dream house, you will need to get pre-approved for a loan. So you’ve come to the right place!
Complete this application to get pre-approved for a mortgage loan.
Do you need a pre-approval letter to make an offer on a home in Oklahoma City?
Most sellers are hesitant to consider offers from buyers who do not have proof of financing. The reasons is that a seller does not want to waste time with someone who cannot get a loan. Therefore, a pre-approval letter from a mortgage lender is basically a pre-requisite before shopping for a new home.
A pre-approval letter is a statement from a mortgage lender that you have the necessary assets and income to be approved for a loan. A pre-approval letter will typically state an amount of money that you are pre-qualified to borrow. It is not a guarantee that you will get the loan. But it is the first step to providing proof of financing.
In order to get a pre-approval letter from a mortgage lender, you simply need to apply. And you can do that right now through this website. Click here to complete this application, and we can start the process of getting you pre-approved.
Wholesale mortgage options for the home buyers in Oklahoma City
I am a wholesale mortgage broker. That means that I have a license to deal directly with mortgage lenders across the county. My clients hire me to shop for the best deals available on the mortgage lending market.
First, my clients submit the online application.
Next, I will reach out to discuss your goals and objectives. What exactly are your goals?
Are you wanting to buy a house in a certain price range? Or are you looking to keep your monthly payment in a certain range? Perhaps you’re looking for a loan that requires very little down payment. Or maybe you want to put down a large downpayment, and you want to save as much as possible on points and fees.
There are many aspects to getting a mortgage loan, both in qualifying factors as well as in the costs to acquire the loan. But because there are so many options out there, there is always a loan product that is right for every client in any situation. And when you use a mortgage broker like myself, you will find there are many more options than what is available at a bank.
What I will do is get as much information from you about what you are looking for overall. And then I will go to work to accomplish those goals. Perhaps you would like to simply have one payment a month instead multiple auto loans and credit card payments? Believe or not, I can even help you with that by getting the right loan product which allows you to pay off other loans in order to have a slightly higher house payment.
If you are buying a house, or looking to refinance a home you already own, I can provide you with the best wholesale mortgage options available. I always provide my clients with multiple loan options so they can choose the best fit for you.
Get a pre-approval letter to buy a home in OKC
If you are considering buying a home in Oklahoma City, it is worth your time to complete this application for pre-approval. This application will take only a few minutes and will be well worth your time. Even if you don’t have all of the information currently available, simply skip the question and move on. I will help finish it once we get in touch.
Once we do connect, you will be done filling out applications and online questionnaires. Even though we may shop many lenders, you won’t have to keep filling out applications. That’s the benefit of using a mortgage broker. You get the benefit of many options, yet the convenience of dealing with one person.
After we have a completed application, I will either pre-approve you for the amount you are seeking, or explain what needs to be done to get you qualified. If there are going to be issues with getting your loan, this pre-approval process allows me to spot them and create a plan for fixing them.
About Oklahoma City Mortgage Broker Travis Charles Smith
Travis C. Smith is a licensed mortgage broker (NMLS #2596609) and real estate attorney. Travis can not only advise you on legal issues surrounding real estate purchases but can also shop mortgage loans for you on the wholesale marketplace.
Travis is also available when you need him most: on the weekends when you are looking at houses. Simply call for help when you need a loan to buy a house.