• Home
  • About
    • Our Advantage
    • Meet the Brokers
    • FAQ Using a Broker
  • Pre-Approval
    • Pre-Qualification Form
    • Loan Application
    • Documents Required for a Home Loan Mortgage
    • Credit >
      • Imperfect or Bad Credit Loans
      • Fico Score
      • Good Fico Score
      • How Fico Scores Work
      • Fico Scores Ignore
      • How Fico Scores Help
      • Fico Tips
  • Loan Types
    • What is an Arm?
    • Conventional Loan
    • FHA Loan
    • VA Loan >
      • VA Loan Eligibility
      • VA Refinance IRRL
    • HARP
    • Jumbo Loan
    • Hard Money Loans
    • Reverse Mortgage >
      • What Is A Reverse Mortgage
      • Benefits Of A Reverse Mortgage
      • Reverse Mortgage VS HELOC
      • Loan Process
      • Reverse Mortgage Presentations
      • Reverse Mortgage Quote
  • Buyers/Sellers/Homeowners
    • Refinance >
      • What Not To Do When Refinancing
    • First Steps in Homebuying >
      • Down Payment Strategies
      • Rent vs. Buy
      • 6 Benefits to Owning Your Own Home
    • After You Sign the Contract
    • The Loan Process
    • Mortgage Payment
    • FSBO
    • Preparing for an Open House
  • Blog
  • Support
    • Property Search
    • Property Tax Information
    • Mortgage Glossary
    • Mortgage FAQs
    • Useful Links
  • Contact
  • Reviews
Effective Mortgage Company
Follow Us

Get a Pre-approval

Before you begin searching for a new home, you need to determine how much you can afford. You may be able to afford more or even less than you think due to what the lender is willing to loan you based on your income and the amount of down payment you have.

It is crucial to take the first step in the buying process and this is finding a trusty mortgage broker that can walk you through the steps of the buying process. At Effective Mortgage Company we will help you decipher between what you can afford and what you are willing to pay.  After you've secured a lender to work with and have your pre-approval in hand it's time to look for an agent to help you find your dream home. We can help! If you don't have an agent in mind already we might be able to help you find one.

Find an AGENT

Buying your house is likely one of the biggest investments you’ll make. The research should be an exciting and enjoyable journey.  But it could also be stressful and hard if you are not informed or guided accurately through the process. Once Effective Mortgage Company has issued a pre-approval it is important you retain an experienced and knowledgeable professional realtor to start you in your house searching phase. You can learn a lot online, but you won’t hear the freeway noise, you won’t see how close the neighbors really are, you won’t know how steep the drive way is and what about all these “hidden” issues and the five inch thick contract to stay out of trouble after the transaction is closed? Your realtor will save you a lot of time and money. And when buying a house, the service by a professional realtor is free since the seller covers the commission for both the buyer’s and seller’s realtor.

Mortgage process – If you're already working with an agent and have yet to reach out to a mortgage broker you are wasting your time and your agents time. It is essential in today’s housing market to be pre-approved before submitting an offer on a house or even beginning your home search. Many agents wont begin working with you unless you have a pre-approval and many sellers will not accept your offer without a pre-approval.

Buying Guide


Why rent when you can buy

What is a pre-approval?

What documentation is needed

Pre-qualification form

After you sign the contract

The loan process

Mortgage Payment

Contact Us

Our Services

Purchase Loans
Refinance Loans
Pre-approvals

Company

About Us
Contact Us
Our Blog

Support Page

FAQs
Mortgage Glossary
Mortgage Calculator
Property Tax Information
Credit Information
Useful Links
Property Search

Contact Us

Picture

Effective Mortgage Company BRE# 01264208 NMLS # 252973