First Time Homebuyers: How Much Are You Actually Pre-Approved For?
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- Опубліковано 4 вер 2023
- Finding out how pre-approval works is a confusing process. The truth of the matter is that there is no uniform method to determine the amount of money you can be preapproved for. .
I am licensed in 48 states and I am happy to be your mortgage lender 😁 707-478-0637
☑️Here's how to contact me and my team
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Text me after you fill out with your name 707-478-0637 so I can alert team
⭐ Call Me: My cell phone is 707-478-0637 I am happy to help. Let’s get you home!:)
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Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
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NMLS 247743 Guaranteed Rate NMLS 2611
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My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
Super informative as always. I LOVE the new editing and audio. Really makes all the difference. Job well done Team!😊
Glad you enjoyed it!
First time home buyer, looking now and this was one of the best UA-cam / real videos I’ve seen out of like 100. Ty!
Thank you I really appreciate that and I am glad it was helpful :-)
This is really great information because this happened to me when I bought my first home. Chase gave me a preapproval that was essentially not worth the paper it was written on because once my loan went into underwriting there were all kinds of issues that came up and I ended up having to go with a different lender to close.
Outstanding video, once again! Yup, been there, done that.
Thank you!
Jennifer Beeston "The Best" in the business .... Her honesty, integerity, and professionalism is top notch. She really cares about her clients 👍.....
"Pops"#truschoolsports🥊🥊
I think this is such an important topic, especially for new homeowners going from renting to owning because expenses change in a big way. Soon as you're a homeowner there's the additional utility costs to consider that may have been included with your rent previously, unexpected home repairs, etc. I'm hoping to buy in a few years and every time I see a potential mortgage rate, I'm not comfortable with keeping these other expenses in mind, I stop looking at that property. No one should be upside-down when it comes to having a home, especially if one can avoid it.
I like the new editing
Thank you! I will pass on the compliments to the editor:)
Thank you Ma'am.
Thank you for watching! :)
I wish you were licensed in PA! This sounds like my situation 😢
I am licensed in PA:) Call me tomorrow 707-478-0637
I love your videos but think it’s the titles and thumbnails that aren’t getting you the views. You should put the key words at the beginning. “Pre-approvals explained: guide for first time home owners” or “pre-approvals are traps!”
Thank you, I totally agree. We stopped doing thumbnails because they were just silly.
I get your point. Lenders will only really look at your documentation once you are going to close a house purchase with them. If some lenders don't look at your documentation until you choose them, then what is the value of the pre-approval letter they send you? It's not worth anything at all. How do you as a buyer get a REAL pre-approval document?
Work with a lender that actually will underwrite your preapproval . I do this on every loan and am licensed everywhere but Utah and Rhode Island. I am at 707-478-0637
Hello I have a credit question I hear some experts say you must have at least one of the big banks on your credit report but what if you do not have either of these cards but your credit is good thanks for the much appreciated content you put out
Thank you, Donna and happy to help. You don’t have to have one of the big banks on your credit report to get a good score.
I got overqualified by my lender and then they threw me under the bus.
Yikes!
Have you ever seen like a big loan like 300,000 wind up being only like 1,500 a month?
Is the interest rate is under 4% then you would be under $1500 without property taxes and insurance. We are nowhere near 4%
What do you mean by docs? We upload paystubs, W2s and statements …. Are you saying lenders don’t even go over those?
Some don’t.
Hi. I'm a veteran getting ready to do a cash out refinance va loan. I have a lot of questions about what I'm being charged in closing costs. Could I send you the information to look over? It just doesn't seem right and I need a professional pair of eyes to check it out. Don't want to get fooled. Thanks.
Eric Cooper
Hi Eric, yes please email to beeston@rate.com
If I do it I lose? If not going to do it
Don’t understand this statement.
Blah blah blah