Your offer will be taken much more seriously if you have already been PRE-APPROVED for financing.  It gives you more bargaining power than a Buyer who is unsure of his ability to procure adequate financing, and instills confidence in the Seller, that you are prepared to follow through.

You can get "PRE-QUALIFIED" over the phone, which means you COULD qualify for a certain level of loan commitment, but a "PRE-APPROVAL" means you have actually applied for, a mortgage and have been APPROVED for a certain level of loan commitment.  As a "PRE_APPROVED" Buyer, you are giving the Seller Provenance of your wherewithal to buy, and shows you are good risk, when making an offer.

Below are some local links to help you get PRE-APPROVED as a viable Buyer.

I have worked with, and highly recommend any of the professional lenders listed below.

---------------------------------------------------------------------------------------------------------------------------------------------

First Bank    http://www.firstbankak.com/home/mg/app   

 email Ela at    Manuela.Wehrmann@firstbankak.com  or click her card:

---------------------------------------------------------------------------------------------------------------------------------------------

Laurie Gardner Senior Mortgage Loan Originator Alaska USA Mortgage Company NMLS Unique ID #204060 Phone: (907)796-1202 Fax: WA Consumer Loan Co. License #CL-157293 License: Mortgage License #AK157293 l.gardner@alaskausamortgage.com www.lauriegardner.net

--------------------------------------------------------------------------------------------------------------------------------------------

Christine Newbill
Home Mortgage Consultant
NMLSR ID 1424821
Wells Fargo Home Mortgage | 4966 N. Tongass Highway | Ketchikan, AK 99901
MAC K3602-011
Tel 907-247-7878 Ext- 108 | Cell 907-821-3530 | Fax 866-557-6113
christine.newbill@wellsfargo.com | http://www.wfhm.com/christine-newbill

--------------------------------------------------------------------------------------------------------------------------------------------- 

Tongass Federal Credit Union   http://www.tongassfcu.com/

--------------------------------------------------------------------------------------------------------------------------------------------- 

We recommend either of these local Title Companies for your closing needs:

Ketchikan Title Agency    http://ketchikantitle.com/

Alaska Escrow & Title Co    http://alaska-escrow-title.com/

Click my card to email me



Prince of Wales

 ISLAND REALTY LLC

Chuck Klee - Broker       

         

 907-826-6600   Msg & FAX

 219-781-1825   cell 

  chucksrealestate@yahoo.com 

http://www.alaskaislandrealty.com/