The first step in the home buying process is a mortgage pre-approval. Your real estate agent will ask you for one before they take you out shopping for a home. The idea is to make sure that you are qualified for a mortgage before you or your real estate agent wastes time, gas, and money finding the right house only to find out you aren’t qualified. The fact is that almost all pre-approvals are not worth the paper they are printed on because your financial documents are not reviewed by an underwriter.
Mortgages by Scott is powered by OnQ Financial and our pre-approvals are treated exactly like a mortgage application. Your tax returns, income, assets, job history, etc. are all reviewed by the underwriter. This is the same underwriter you will have when you find the perfect home!