Get Pre-Approved:

Hi, my name is Carrie Westfall. I am a Mortgage Loan Officer with IMortgage. I have been in the business for over 15 years and I have the knowledge that is required to close a loan as smooth and easy as possible.

Early on in the process, you’ll want to get pre-qualified for a mortgage loan, which helps determine how much you can afford. It enables you to move swiftly when you find the right home. It also indicates to the seller that you are serious and can afford to buy the property. A pre-approval is a simple calculation done by a mortgage lender that tells you the amount you'll be able to finance through a loan and what your monthly payment will be.

When you find a home to buy, a pre-approval also reassures the seller that you have the financial means to purchase his or her home. Know what you can afford is the first rule of home buying, and that depends on how much income and how much debt you have.

The price you can afford to pay for a home will depend on several factors, such as:

ü       Gross income

ü       Your credit history

ü       Current interest rates

ü       The type of mortgage you have selected

ü       Your debt

ü       The funds you have available for the down payment, closing costs and cash reserves required by the lender

Another figure lenders use to evaluate how much you can afford is the housing expense-to-income ratio. It is determined by calculating your projected monthly housing expense, which consists of the principal and interest payment on your new home loan, property taxes and hazard insurance (PITI)

A mortgage professional can help you find out just what you can afford. Your income and your debts will typically play the biggest roles in determining your price range.

Feel Free to fill out this Pre-Approval form:

Get Pre-Approved before you buy!

We will treat your information strictly confidential


Borrower:
First Name *	Email Address *
Last Name *	Phone Number *
Address *	Zip Code *

Birth Date:	Monthly Income:
Social Security:	Hourly	Salary
Current Employer:	Commission	Other
Liquid Assets:	Total Monthly Debt:
	(Loans and/or Credit Cards)
Max Monthly Housing Payment Preferred:

CoBorrower(if applicable)
First Name	Email Address
Last Name	Phone Number
Address (If different)	Zip Code (If different)
Co-Borrowers Birth Date:	Co-Borrowers Monthly Income:
Co-Borrowers Social Sec.:	Hourly	Salary
Co-Borrowers Employer:	Commission	Other
Co-Borrowers Liquid Assets:	Co-Borrowers Total Monthly Debt:
	(Loans and/or Credit Cards)


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