Pre-qualify

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" colspan=2 height=165 BGCOLOR="#99CC66" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#009900" FACE="Times New Roman" ><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B><IMG SRC="109dc5b0.png" border=0 width="220" height="91" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A><I><B>Mortgage Finance and Home Loans</B></I></FONT><I><B>    </B></I><I><B> |     </B></I><A HREF="index.htm" TARGET="_top" TITLE="Mortgage Finance and Home Loans"><I><B>home</B></I></A></div> <div> <A HREF="id15.htm" TARGET="_top" TITLE="Loan Information"><I><B>Loan Information</B></I></A><I><B>   |   </B></I><A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B>Purchase</B></I></A><I><B>   |   </B></I><A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B>Refinance</B></I></A><I><B>   |   </B></I><A HREF="id59.htm" TARGET="_top" TITLE="Loan Options"><I><B>Loan Options</B></I></A><I><B>   |   </B></I><A HREF="id21.htm" TARGET="_top" TITLE="Loans 101"><I><B>Loans 101</B></I></A><I><B>   |   </B></I><A HREF="id19.htm" TARGET="_top" TITLE="Construction Loans"><I><B>Construction Loans</B></I></A><I><B>   |   </B></I><A HREF="id61.htm" TARGET="_top" TITLE="Income Property"><I><B>Income Property</B></I></A><I><B>   |   </B></I><A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B>Commercial Loans</B></I></A><I><B>   |   </B></I><A HREF="id18.htm" TARGET="_top" TITLE="Self Employed"><I><B>Self Employed</B></I></A><I><B>   |   </B></I><A HREF="id38.htm" TARGET="_top" TITLE="Quick Quote"><I><B>Quick Quote</B></I></A><I><B>   |   </B></I><A HREF="id3.htm" TARGET="_top" TITLE="Loan Application"><I><B>Loan Application</B></I></A><I><B>   |   </B></I><A HREF="id39.htm" TARGET="_top" TITLE="Fax Application"><I><B>Fax Application</B></I></A><I><B>   |   </B></I><A HREF="id29.htm" TARGET="_top" TITLE="Current Rates"><I><B>Current Rates</B></I></A><I><B>   |   </B></I><I><B>Pre-qualify</B></I><I><B>   |   </B></I><A HREF="id20.htm" TARGET="_top" TITLE="Selling Your Home"><I><B>Selling Your Home</B></I></A><I><B>   |   </B></I><A HREF="id56.htm" TARGET="_top" TITLE="About Us"><I><B>About Us</B></I></A><I><B>   |   </B></I><A HREF="id2.htm" TARGET="_top" TITLE="Meet the Staff"><I><B>Meet the Staff</B></I></A><I><B>   |   </B></I><A HREF="id4.htm" TARGET="_top" TITLE="Location"><I><B>Location</B></I></A><I><B>   |   </B></I><A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><I><B>Contact Us</B></I></A><I><B>   |   </B></I><A HREF="id22.htm" TARGET="_top" TITLE="Loan Calculator"><I><B>Loan Calculator</B></I></A><I><B>   |   </B></I><A HREF="id28.htm" TARGET="_top" TITLE="Closing Cost"><I><B>Closing Cost</B></I></A><I><B>   |   </B></I><A HREF="id62.htm" TARGET="_top" TITLE="Apply Now"><I><B>Apply Now</B></I></A><I><B>   |   </B></I><A HREF="id63.htm" TARGET="_top" TITLE="How do I get started? "><I><B>How do I get started? </B></I></A></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=165 BGCOLOR="#FFFFCC" TEXT="#080000"> <div> <I><B><IMG SRC="0ec925f0.jpg" border=0 width="146" height="95" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id60.htm" TARGET="_top" TITLE="Purchase"><I><B><IMG SRC="0cf92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="3"></B></I></A><A HREF="id35.htm" TARGET="_top" TITLE="Second Mortgage"><I><B><IMG SRC="0d492290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id30.htm" TARGET="_top" TITLE="Line of Credit"><I><B><IMG SRC="0d992290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="2"></B></I></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Refinance"><I><B><IMG SRC="0d792290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <I><B><IMG SRC="0dd92290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <I><B><IMG SRC="0e092290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Loans"><I><B><IMG SRC="0db92280.jpg" border=0 width="146" height="40" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <div> <A HREF="id55.htm" TARGET="_top" TITLE="VA"><I><B><IMG SRC="0e292290.jpg" border=0 width="146" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></A></div> <bR> </td> <td valign="top" height=315 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>Pre-qualify</B></I></div> <div> <I><B><IMG SRC="13a9fdc0.jpg" border=0 width="159" height="220" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <I><B>"Pre-qualified vs. Pre-approved"</B></I></div> <bR> <div> <I><B>“Pre-qualified” means that a lender has taken a short application and with the information you provided you </B></I><I><B>appear to qualify</B></I><I><B> for an estimated amount under certain programs. This is an educated guess, The lender does not have complete information and if any of the information provided to him is not accurate or complete, you may not be approved for a loan.</B></I></div> <bR> <div> <I><B>“Pre-approved” means just that, you have given complete information and have been approved by a lender for a certain amount through a specific program to purchase a home.</B></I></div> <bR> <div> <I><B>Another benefit to being pre-approved is being able to close within the desired time frame. Buying a home is stressful. Most of the stress is due to a buyer's loan approval issues. Being pre-approved takes the buyers loan issues away before an offer is even made to make the process more enjoyable and less stressful. Seller's know this and will quite often take an offer from a pre approved buyer before an un-approved buyer even if the offer is slightly lower!</B></I></div> <bR> <div> <I><B>Being pre-approved can save you money by turning you into a cash buyer and increasing your negotiating power even in a sellers market.</B></I></div> <bR> <div> <I><B>Most Realtors want a  buyer to get pre-approved before looking at properties so they'll know what price range to look at. The greatest benefit of being pre-approved is the time it will save you and your Realtor. Today's market is fast, the better prepared a buyer is, the more likely they are to have their offer accepted. Nothing is worse than finally finding the house of your dreams only to find you don't qualify, or worse, be outbid by a pre-approved buyer.</B></I></div> <bR> <div> <I><B>Not all Pre-approvals are alike. A pre-approval is only as good as the person pre-approving them. A buyer should be as picky with where they get their loan as they are about what house they buy because the two go hand-in-hand.</B></I></div> <bR> <bR> </td> </tr></table></body>